<i>&gt; If the behavior is not predictively relate increased claims activity, then it wouldn&#x27;t be penalized</i><p>yeah, sure.  i totally believe that.  ever actually deal with an insurance company?  they pretty much do whatever the hell they want unless there&#x27;s enough people willing to sue in a class action suit.  this goes for consumer, business, financial, whatever.<p>when this becomes mainstream i will go with alternative insurance providers that do not track my driving habits even if it comes at a huge premium.