I used the little gizmo in my car to get the ‘up to 25%’ discount for about a day. What ‘they’ consider safe driving, and what I, after 40 years on the road as a very confident and safe driver, consider good driving skills are, apparently, two completely separate things. My scores went to zero with one ‘severe braking’ for a stray dog on a leash, and two passes on an 80km road over the broken centre line. What you describe here with the fitbit is terrifying. They hold all the cards, including the ones that outline the rules. No thanks.