The US car insurance industry is worth around $199 billion - but car use is declining, and one third of people sought a new insurer in 2013. Adapting to changing usage patterns and customer demands, Metromile makes insurance more customer-friendly with a pay-by-the-mile scheme.

As Millennials increasingly perceive ownership as a burden, car-sharing companies like DriveNow are changing the game. From Dusseldorf to Munich, they’re catering to an ever-growing percentage of young Germans for whom owning a car is no longer a viable or ‘cool’ thing to do.

In the UK, 56% have used a price comparison site in the last two years, and 52% have actively purchased or switched as a result of using these types of services. But savvy customers no longer just care about price. How are services adapting to changing consumer expectations?

To many, car-hacking sounds like an improbable danger from a distant future. But many new cars are connected to wireless networks, and are already vulnerable. Hacking is responsible for a third of car thefts in the UK. Is digital security now the car industry’s biggest challenge?