AwarenessWork, school & institutions
Insurance telematics
A discount for a box that reports how you drive - or how you sleep.
Understand it
“Black box” car insurance, and health or life policies linked to a fitness tracker, trade a discount for a detailed feed about your behaviour: speed, braking, journeys, steps, sleep. It can lower a premium, but the data can also be used to raise one, or shared more widely than you expect.
How to spot it
Any policy offering a discount for a device or app is collecting a behavioural record in return.
Close the gap
- Weigh the discount against handing over a continuous behavioural feed.
- Read what the insurer collects, how long they keep it, and who they share it with.
- Prefer a flat policy if the saving is small and the data broad.
- Turn off extra data sharing in the app where the policy allows.
What to do about it
This is data other organisations collect about you, and you often can't simply opt out. What you can do is use your UK data rights to see what they hold and object to how it's used.