The point about the insurance GPS is that they will eventually use it against the person. 'You were going 5mph over the speed limit before the crash...' that kind of thing. Giving them more information will just lead to the consumer being hurt. Oh, and they will clearly sell that info to anyone they can get to buy it of course. That part isn't great either.

Not at all - telematics schemes also penalise subjective measures such as "over-revving" and "cornering with too much lateral g".

Royal Mail drivers in the UK found themselves being disciplined for exceeding telematics thresholds when the company transitioned back to petrol-engined vans, from diesel, because they are driven in a very different manner.