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Or use a data provider that doesn't allow opt-out and has no publicly available interface.

Exactly, data of incidents never makes it to the insurance company in the first place. They only get like monthly stats of your general driving skills - just had a look in the contract, it's just a single percent value that they get.

Besides, the legal requirements for denying coverage in Germany are pretty high.

If you're crashing with 130 in a 30 zone, you won't need digital evidence.

There's far too many blurred houses on Google Maps in Germany, often because a single tenant opted-out.

It's the 21st century equivalent of hiding under the blanket to protect from the evil spirits.

HUK; a German company

My car insurance offers a small tracking device to estimate if you're a risky driver. It got GPS, acceleration sensors and Bluetooth to transmit the data over your smartphone.

I registered for the beta and like it a lot. I'm paying 30% less with no effort - just because I'm not driving as crazy as everyone else.

at least on paper, data protection is fine - is being processed by a separate company with a very restrictive privacy agreement, storing and handing over only a 1-10 integer for several driving skills (speeding, acceleration, hard breaking).