I did this with CosmosDirekt back when I still had a car. 40% cheaper than the usual contract. I was rated as the best 2% of the app users.

I had to drive 400km to get a score. Of course, I drove like my grandma was about to have a neck operation to get that score.

I've seen ads for it in the UK: https://www.moneysupermarket.com/car-insurance/how-does-blac...

It'd be cool (from a hacker point of view) to spoof the smartphone's GPS/accelerometer data: put a delay of, say 10 seconds. So you can accelerate like mad off the red light, but the blackbox app receives a spoofed acceleration curve which is gentler. I guess it's harder if you like going over the speed limit, e.g. you'd arrive to your destination after driving 90 mph, but the app still has to spoof you being 20 miles away doing 70mph (the highway limit in the UK).

HUK; a German company