we have the same kind of thing in qc province, and i work for one of those company.
it gives discount on how you drive (within speed limit, no hard acceleration, or hard braking, etc) and it is not about *if i brake hard once for a good reason, boom, higher rates*
it depens on how much km/miles you do and how many times you brake hard/go over speed limit....
and guess what... customer who wants to drive safely by does standard really save, and also have a lot less accident then they *should*... but in our company, that kind of service is really for youger drivers (18-25) ... the goal is to let them buy a new car, and don't pay crazy insurance amount if they drive safe
as for the privacy.... do you really think that an insurance agent have fun looking at where someone he don't know has done his grocery (and that is if he had acces to the data!)
we already have gps in our cell phone, black box in our car, we have mortgagee on our house, social security numbers and ip address.... thinking that we don't want to have a gps in our car so we can preserve our privacy, is keeping our heads in the sand... (and guess what... cars are a ot harder to stole with that device...
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