I signed up for the belair direct driver's insurance app. it sucked. anytime you touched your phone, you lost points. i don't mean picked up and made a call or texted. i mean any hands free call (in or out), even using a map app. if some a$$ wipe stoped quickly in front of you, and you needed to break harder than normal, you lost points. of course speeding was a no-no. for the $200 in savings on a $2000 annual cost, it wasn't worth it. i have a similar app for the car too. it gives you a "drivers pulse". same crap. i don't know what the thresholds are, but it seems way too sensitive or intrusive. being optional for now is a good thing. i wouldn't mind seeing the correlations with driver stats and claims. that would make a lot of sense, but then i don't think the insurance co.s have figured this out yet. there's maybe 10% bad drivers. you know, the ones that can't maintain a steady speed on the highway, are afraid to pass trucks, pump the accelerator or breaks too often, or ride the breaks. they don't get into accidents too much though, just cause them down the line. where's that app?