Can we have a discussion about the benefits bsafem

Can we have a discussion about the benefits bsafemobile would give insurance companies? Why would they want to use this product? Of course it would be voluntary for clients, so can the insurance companies track people's driving habits to provide discounts? Would it infringe on rights? I'm assuming if one signs up to use it to get a discount and possibly save their life it wouldn't be like big brother monitoring them?
Would love to hear comments both negative and positive.
tia. glta