Since Karl Benz and Gottlieb Daimler have invented the automobile, a lot of things have changed. Even if one compares a current average vehicle with a car from the 1970s, today’s cars in some aspects remind us more of how a space ship in 2020 was thought to look like those days. In contrast, the fundamental model of having an owner, a driver and car insurance has not really changed during the last 56 years. In Germany, this structure is completed by the “Halter” of the car, meaning the person who possesses the car and pays the costs of running it – which could for example also be a lessee of the car. Usually, the owner or the “Halter” will pay the insurance fee. In addition, only in very recent days the insurance industry has started to work on new billing structures such as “pay how you drive” tariffs.