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Usage-Based Insurance (UBI)
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To be fair, it did lower my premium slightly, but the constant checking of my driving habits felt intrusive. Plus, like mentioned above, sudden braking incidents were flagged unfairly.
I get your point about the braking flagsβthey can feel a bit unfair sometimes. But from my experience, telematics can actually help you become more aware of your driving habits. I've seen quite a few people improve their driving style over time, which not only lowers premiums but also reduces accident risks. Maybe it's about finding a provider with a less sensitive system or giving it a bit more time to adjust your driving style gradually... just a thought.
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