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.
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?
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?