Comment by peeters

> in 10 years time everyone will assume their driving habits are being monitored by their insurance company.

And even if there continues to be an opt-out, those plans will become so prohibitively expensive that you're essentially forced to allow your insurer to spy on you. Privacy is always priced out in the free market. Regulation is the only way. It's not a net benefit to society, just outlaw egregious data collection.