It's tempting to opt for telematics/black box insurance because of the initial cheaper prices but the privacy violations and potential downsides make it not worth it.
You can be the best defensive driver in the world but sometimes you're just going to have to brake hard to avoid an object that may jump on you, dinging your driving score and raising your premiums.
Contrary to what this post's image says, I'm reading online that these apps aren't perfect at differentiating between who's a driver and who's a passenger.
Have fun fighting with your insurance to get them to remove anything from your record.
Last week a squirrel decided it didn't want to live anymore and jumped into my way while I was driving. It was on an empty slow street at night so I was safely able brake hard to avoid killing the poor thing. If I had spyware insurance they would've dinged me for it.
PS5 will be my last ever console. I don't see the value proposition in consoles anymore with the rise of PC handhelds.