Insurtech companies collect extensive data to assess and price risk. Your driving, health, and home data directly affects your premiums.
Side-by-side comparison of privacy scores across major insurance tech services.
| Service | Score | Grade | Key Privacy Issue | |
|---|---|---|---|---|
|
L
Lemonade
Best in Category
|
58 | C+ | AI analyzes claims for fraud indicators | View Review → |
|
R
Root
|
50 | C | Continuous driving monitoring for pricing | View Review → |
|
O
Oscar Health
|
45 | C- | Health data used beyond insurance pricing | View Review → |
|
H
Hippo
Lowest in Category
|
40 | C- | Home data from IoT devices affects coverage | View Review → |
Driving, health, and home behavior directly determines your rates.
Apps track behavior throughout the policy period.
Detailed claims history shared across insurance networks.
Smart home and wearable data used for underwriting.
We also analyze insurance tech terms of service for consumer fairness issues like billing, cancellation, and liability.
View ToS Watchdog Insurance Tech →Click through for complete privacy analysis of each service.
If you're worried about how these services are using your data, or need help understanding your rights under privacy laws, I can help.