Modernisation in Car Insurance

In major cities, people prefer to travel by train or 2-wheeler even when they own a car to avoid traffic and reduce fuel expenses. However, irrespective of the kms you drive your car, the car insurance premium still remains the same. Moreover, there are no incentives given to the people with better driving skills. It is not rational, right?

Thanks to digitalisation & modernisation in motor insurance, there are some better & newer options available in the market in the form of telematics or usage-based vehicle insurance covers.