Very true, I was focusing more on the story’s driver being “surprised” and “stunned” by the amount of data collected and that all that date didn’t convince an Insurance Company’s algorithm he was a driver worthy of paying them less than his current premium. I expect upwards of 90% of drivers would be stunned as well that they are not as good of a driver as they imagine and that “I’ve never having an accident” doesn’t carry as much weight with the algorithm as they might have hoped.
You can use a Privacy card with any name you want on it although some small vendors with actual people running the purchase process can read and take issue when the “card” is supposedly issued to a “Mybig Blackdog”