Comment Re:Begging to be gamed (Score 5, Interesting) 345
Aviva developed a Pay As You Go insurance system several years ago now.
http://www.aviva.co.uk/media-centre/story/2840/norwich-union-launches-innovative-pay-as%20you-drive/
We studied it as part of a project during my CompSci course about the time it was launched.
Essentially you agree that they put a GPS tracker in your car. It monitors your speed/acceleration/braking/etc (just like the app). You then only pay insurance for when you are driving, and the price is affected by how well you drive. It's been around for some time now. It's fixed to your car, and if you remove it from your car so they don't see your bad driving you're illegally driving without insurance.
All the phone app is is a free trial of that type of insurance - far cheaper to give them an app than send them a tracker. If you were to actually buy their insurance there's no way they'd let you keep using the phone app for it. Too much chance of forgetting the phone or battery dying, let alone any 'gaming'.