The Internet of Things can deliver the step change in operational efficiency and customer loyalty that the automotive insurance sector needs to remain competitive. Time for a change Drivers today feel little loyalty to their insurer. It’s easy to see why. Many see their annual premium as a tax on driving, and feel they get little back from their insurers in return. In fact, most policyholders will have no contact with their insurer until renewal comes around; and any interaction they do have in the interim will be the painful negotiation of a claim.