As this article points out, the fast pace of technology has created gaps in insurance cover.  So, if you're an airbnb host, or you get around on a hoverboard, you'll know insurers are playing catch up.  

The good news is that these shifts in lifestyle habits create opportunities for new or existing insurers.  However, how to provide cover for different business models or lifestyle choices - where the rules are not yet established - is proving challenging.

While insurance will no doubt show it's ability to flex - through new and 'old' market players - ultimately, it's technology that will provide the wherewithal, to meet these challenges.

New forms of validation - visualisation techniques and better tools to analyse and treat data - are perfect examples of how insurers can stay one step ahead (or just keep pace) with our changing lifestyle habits.  They provide the basis for insurers to react faster and accurately and to assess our continually changing needs.

As always, when to adopt these new technologies and how to deploy them will be critical factors to success.