[DanBC]

> Only your actual driving record,

In practice this argument leads to insurance companies charging thousands per year for all new drivers, and then giving discounts to drivers willing to install surveillance devices that report all aspects of the driver's driving.

https://www.confused.com/campaign/car-insurance/black-box

[asdff]

I don't see how an insurance company could judge your driving without telemetry unless you've been wrecking cars and racking up points on your license.

[gambiting]

And I don't see how it's a problem, unless you make a claim on your car insurance, the car insurance provider should assume you drive like a saint.

After all, you would never agree to have trackers in your house just so the insurance company can judge if you're a safe home owner and lower your home insurance premium - why agree to it in cars?

[viklove]

This is why we need regulation. That type of surveillance should be made illegal.

[asdff]

Is measuring G forces so bad? Your phone is doing it to report traffic data to the mapping service you rely on.

[gambiting]

Yep. My sister had the tracker because her insurance required it, and it was a complete nightmare. They threatened to cancel her insurance multiple times due to "dangerous speeding", after calling them they would say the tracker registered her driving 70mph in a 20mph zone, so we would request they send the data proving so.....and every single time, the tracker would register her driving on a small 20mph road going underneath a motorway where she was actually driving doing a legal 70mph. I mean, just looking at the GPS trace it was obvious that she was on the motorway for the last 50 miles, and now for that one read she was on a smaller road crossing the motorway? She would have had to teleport to do that.

As for the G-force tracker - it's also shit, she was getting points docked constantly for "smoothness" of driving, because every time you went through a speed bump the tracker would register "abrupt braking event" and recommend "smoother braking for better scores". It was such a shit system that she willingly paid 2x the premium on her next insurance to not have a tracker.

[DanBC]

They report location too.

https://www.carrotinsurance.com/help/what-data-does-the-blac...

> This includes data on speed, smoothness and usage, which all contribute to your total Driving Style Score.

> The black box also enables your car’s GPS location to be identified in the unfortunate event that your car gets stolen.