Future in Third-Party Liability 1. Pay-As-You-Drive (PAYD)2. Pay-How-You-Drive (PHYD)3. Manage-How-You-Drive (MHYD)4. Try Before-You-Buy (TBYB) How it works? What Do We Do?For PolicyholdersFair and attractive price Selection of insurance quotations Insurance on demand Fast insurance Easy to re-join High privacy Drive score For BusinessesKnow your driver style Only one integration Usage based pricing Data about insurance contract Drive score analytics Independent partner and anonymised data Insured Customers For InsurersNew markets and new products Differentiation from competitors Easy to start One integration Easier client communication Analytics for Risk Management Research and development Why Holon? In philosophy a holon is something that is simultaneously a whole and a part. We love to make cross-sectoral co-operation easy! We see the world like entrepreneurs, think like programmers and care about your privacy. Our objective is your efficiency.