App developer Richard Barlow says brokers must be alert to the impact of smartphone-only solutions on the car insurance market. Insurers have been largely starved of innovation in recent years. The car insurance market in particular has been crying out for a game changer and brokers have been searching for a solution that can offer tangible benefits to consumers and facilitate the evolution of the market. As the car insurance market gets more and more saturated, pressure has been building on the dated insurance model that currently exists and brokers often struggle to stand-out.