As the world is urbanising and city centres become more congested, new forms of mobility are on the rise; think of car-sharing and mobility budgets for example. For fleet, more and more companies are looking at pooling their company cars, using cars on-demand, or just providing drivers with a mobility budget. This means that, in the longer term, vehicle type will cease to drive insurance premium. Instead the way a vehicle is used (e.g. mileage, location) and by whom will increasingly determine fleet costs, leading to usage-based pricing models.