I get the idea behind them. If they can monitor our driving, they can give discounts to people who don’t drive like tools, and raise rates on people who do. That’s great, but you just know it was some bean-counting weenie in a back room somewhere that dreamed this up, because as a practical matter it can’t work right.
Absent context, actions can appear to be very different from what they actually are. Did I swerve because I’m drunk, or because I was avoiding the drunk? These dataloggers can’t know, and so what they probably do is build a database of everything you do. If you swerve more than X times in Y miles of driving, you’re flagged as a bad driver. It’s probably also tied into a GPS track so the computer can account for road curves - am I spinning the wheel back and forth because I’ve been drinking or because I’m on Lombard Street:
But that’s problematic for a number of reasons - it can’t know why I’m doing things and so I get penalized even if there’s a perfectly good reason for what I did, and it does know everywhere I go, and when, which means I’ve now got a tracking bug following me all over, and that kind of data is just asking to be sold off to data companies who are building profiles of everyone to use in tailored marketing.
Privacy aside, since we aren’t privy to what metrics they use, and what limits they allow on those metrics, we have no idea what our premiums will look like from cycle to cycle. A 30% discount is stupid if the premiums go up by 100% because of some vague, ill-defined “bad driving habit” their system has decided to accuse us of.