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.

Want to reduce your carbon footprint? Autolib' is an electric car-sharing scheme in Paris that's enjoying huge popularity. Membership increased from 5,650 a month in 2011 to 155,000 in 2014 - clocking up 30.4 million miles. And it's now set to make its debut in London.

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.

Why should your car insurance premium be determined by a group of risk-takers that you've never met? UK start-up Guevara helps responsible drivers cut the cost of their car insurance through group payments with friends that are equally cautious behind the wheel.