The following article on motor insurance is very interesting http://www.bbc.co.uk/news/business-24941415 . Monitoring driver’s behaviour could be the answer to cheaper car insurance and improved driving standards. I for one have reservations about such personal data being collected. Private Health Insurance could also potentially benefit in the future from monitoring the insured’s behaviour. I recently saw an advertisement for a health insurer that offered financial incentives to work out at a private gym. I predict technology will completely change the insurance industry as we know it over the next 15 years. People who eat a healthy diet and exercise frequently will have cheaper rates from the unhealthy and inactive. rnrnTaking independent financial advices from an Independent Financial Advisor will always be very important to compare and contrast the differences in insurance contracts. It would be a tragedy if you thought your insurance policy covered you and in fact the contract did not cover you for an unfortunate event.rnrnThis information is intended to provide a general review of certain topics and its purpose is to inform but not to recommend or support any specific investment or course of action. The tips may not apply, or be suitable, to everyone and you should contact us for advice if you are unsure whether this is the case.rn