Big data and data ownership rights: The case of car insurance

Customers’ data points sources are growing, through the Internet of Things (IoT), telematics and interfacing with third parties’ platforms. Third parties provide either by-product about their clients, or that generated for specific task a more accurate measurement behaviour. One core building blocks in insurance is understanding risk – therefore, innovation around (sources analytics) to proxy engine behind its digital transformation. While value clear providers products services, customers have not only less control over data, but also hardly benefit from creation those points. In this paper we case study British car industry, data-driven product pivoted into re-designed personal right architecture, which included transparency, traceability usability customers’ traces, enabled ownership rights data.