I get what you mean about the tracking apps—there’s something a little unsettling about having your every move logged, even if it’s just mileage. I’ve stuck with manual logs for years, but I’ll admit, it’s a pain when you miss an entry or lose track. Have you looked into those simple OBD-II dongles that just record mileage without GPS? They seem less intrusive, but I’m not sure how insurers view them. Curious if anyone’s tried those and had issues with classic policies.
I’ve wondered about those OBD-II dongles too. My insurer was cagey when I asked—said they “might” accept them, but didn’t sound thrilled. I’m not wild about tracking apps either, but manual logs are a hassle. Anyone actually had an insurer push back on the dongle thing?
Never had an insurer outright reject the OBD-II dongle, but I’ve definitely gotten some side-eye when I brought it up. One agent told me they “prefer” odometer photos or logs, which feels a bit old-school considering how much tech is in modern cars. Honestly, I get why they’re hesitant—those dongles can be a black box, and not every classic has a compatible port anyway. Manual logs are tedious, but at least you know what you’re handing over. The tracking apps just feel a bit too Big Brother for my taste...
Manual logs are tedious, but at least you know what you’re handing over.
- Totally agree on the manual logs—tedious, but at least you’re in control.
- OBD-II dongles are a no-go for my ‘79. No port, and even if there was, I’m not keen on handing over that much data.
- Tracking apps just feel invasive, especially for a car that mostly sits in the garage.
- One thing I wonder: does anyone actually get a better rate using tech, or is it just more hoops?
Honestly, I hear you on the manual logs—tedious, but you know exactly what’s being shared. With the older classics, OBD-II just isn’t an option anyway, and I get why folks are wary of tracking apps. As for rates, it’s a mixed bag. Some companies offer a small discount for tech, but for low-mileage classics, it rarely beats the standard mileage cap policies. Most of my clients stick with the old-school approach—less hassle, more privacy.
