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@only__j Thanks so much for your thorough and thoughtful reply. I also appreciate your explanation of both sides. I’m not too surprised that people lie about their habits to secure a lower premium - in fact, I’d be more surprised if most people were honest ;) Thanks again!

I guess I’m wondering how normal it is... I was getting a quote for auto insurance, and they said as part of their policy, an app is installed on my phone to track my activity, to ensure that I don’t: a) leave the province, b) drive between midnight and 4 am, and c) don’t speed. I told them...