The black box makes it possible for insurers to enrich their auto insurance value proposition by adding services built upon data provided by telematics. This is an element to be taken in consideration when evaluating the overall ROI of a telematics programme. On the one hand these services represent a way of de-commoditising the car insurance policy and are also a source of income. On the medium/long term this characteristic will become more and more important because of the de-risking trend in the Motor Third Party Liability business, due to the technological progress when it comes to security and connected cars.