It is kinda like that. We have a tracker that we added because they increased the insurance rate and said if you install this device we’ll keep the rate low based on driving patterns.

Basically records how often you drive, hard break/sharp turns, after midnight drives, etc. We don’t drive the car often so the prob of accident is low but we recently learned that they can consider not driving enough also bad saying it can make you drive recklessly or sth.