Dongle from your insurance company.

retx · 01-23-2015, 11:28 PM

I'm wondering if anyone plugs in any kind of dongle from your insurance company in your X5?

My agent talked me about this today and asked if I'd like to save additional 10% in my first premium (6-months). I'm not worrying about the privacy things and am aware of the items they want to monitor. I know th hard brake is the key point... I'm fine with all that.

But I'm kind of scared by two things -

. Someone may be able to remote to my car and mess up my codes then screw up some features or sensors on my X5. These dongles are easily hacked.

. None of insurance companies can deny and they have to obey the court order to surrender the data if you're involved in any of lawsuits or accidents.

Maybe I'm too exaggerated but they make me worried. I said NO to her. 10% can't buy these...

I even don't know if the dongle is working with X5 or not. (All the insurances kinds of say BMW is compatible.)

SaskeyInWash · 01-23-2015, 11:41 PM

10% isn't worth it to me either. I am also not willing to connect one to my vehicles after reading stores like this. http://www.kirotv.com/news/news/insu...-damage/nfdQw/

My GF did it on her 328i and had no issues but i'm not going to take the chance with as many electronics that are in our vehicles.

opasha · 01-24-2015, 12:27 AM

I wouldn't take that chance. Not worth it in my humble opinion.

Ashot12 · 01-24-2015, 01:01 AM

Does not sound good

Xeno · 01-24-2015, 07:18 AM

Quote:

Originally Posted by SaskeyInWash

10% isn't worth it to me either. I am also not willing to connect one to my vehicles after reading stores like this. http://www.kirotv.com/news/news/insu...-damage/nfdQw/

My GF did it on her 328i and had no issues but i'm not going to take the chance with as many electronics that are in our vehicles.

The link is not working on my iPad

paicapo · 01-24-2015, 08:48 AM

I got a dongle to go whit the key and so does everyone here in Sweden that buyes the f15 at bmw, the dongle is a gprs tracker if the car gets stolen and you get a discount on your insurance premium.

retx · 01-24-2015, 08:59 AM

Quote:

Originally Posted by paicapo

I got a dongle to go whit the key and so does everyone here in Sweden that buyes the f15 at bmw, the dongle is a gprs tracker if the car gets stolen and you get a discount on your insurance premium.

Very interesting. Something like LoJack in US?

If so, isn't it possible this tracker is the redundant since BMW SOS Ctr here can help track the car location after the stolen vehicle is reported to the police?

NoPII · 01-24-2015, 09:24 AM

I tried it briefly, and returned it for the premium increase.

It's incredibly stressful to drive with. If you brake hard at any point you get three sharp beeps from the device warning you you've been "dinged". It made me drive more dangerously, as I held off braking as long as possible - keeping it soft and smooth until I had absolutely no choice.

It's a dumb device - no remote coding etc, it's just a one-way send of GPS, time, and accelerometer data. They can easily track, should they choose to do so, your speed too.... too much stress, too much privacy invasion.

rganguly · 01-24-2015, 10:16 AM

I have the dongle for 3 yrs now on my honda, getting a good discount. As for my X5 I had it and within few days I started getting a Battery Drain error. So removed it from BMW since then

MRV99 · 01-24-2015, 10:22 AM

You would be crazy to do it. Yea you save a but of money but it also opens you up for the insurance denying any claims. They will simply bury a clause somewhere deep in the policy that until dongle data has been reviewed. Then they could say they will not cover the claim because of data which shows you Violated the policy some how.

Besides, the more people who give into this crap, the easier it will be for the insurance companies to make it a mandatory requirement for all drivers.

Doanster · 01-24-2015, 10:27 AM

Ten percent is def NOT worth it IMO, especially if it's only for the first six months. It would take something like 20% in perpetuity before I'd consider it.
Granted, if I had five pts on my record and was paying $500/month...

Ashot12 · 01-24-2015, 11:39 AM

Do Not Trust Insurance Company, Period.

opasha · 01-24-2015, 11:49 AM

Quote:

Originally Posted by retx

Very interesting. Something like LoJack in US?

If so, isn't it possible this tracker is the redundant since BMW SOS Ctr here can help track the car location after the stolen vehicle is reported to the police?

Yep, 100% redundant. Also, the OBD2 scanner isn't hidden like in an F25 where it faces upward. Our OBD2 socket faces us. If the dongle even has lights, it will be very obvious in the foot well area. Good for people that have it and are driving without issues and saving money, but it's really not worth it as other have said regarding the legal issues and how insurance companies are smarter than consumers; they will always find a loophole to screw you over - that's what most insurance companies do for a living.

paicapo · 01-24-2015, 12:18 PM

Quote:

Originally Posted by retx

Very interesting. Something like LoJack in US?

If so, isn't it possible this tracker is the redundant since BMW SOS Ctr here can help track the car location after the stolen vehicle is reported to the police?

I think we have something different than what NA is getting, we get a small gprs unit that you just have around the keychange whit your car "key" if somebody drives of whit the car absent of the gprs unit the alarm goes and "they" track the car and notify police Of theft.

MattBianco · 01-24-2015, 12:45 PM

Who trust insurance companies selling retail coverage? I would not take it if my insurance was free with the dongle.

retx · 01-24-2015, 07:52 PM

Btw, this is what I mentioned above. The device is technically vulnerable. And, it's possible hackers can feed the signals back to the dongle/vehicle.

https://threatpost.com/holes-in-prog...r-hacks/110511

http://www.esecurityplanet.com/netwo...le-hacked.html

Gruntion · 01-24-2015, 10:01 PM

Quote:

Originally Posted by MattBianco

Who trust insurance companies selling retail coverage? I would not take it if my insurance was free with the dongle.

+1

Wobbles · 01-24-2015, 10:08 PM

Dongle. Good grief. Isn't that something JAV (Japan Adult Video) "actresses" use as props in their "movies"?

Damn it, I gotta get out of the house more often

F15GorDe · 01-25-2015, 01:30 AM

Quote:

Originally Posted by MattBianco

Who trust insurance companies selling retail coverage? I would not take it if my insurance was free with the dongle.

+1

01-23-2015, 11:28 PM	#1
retx First Lieutenant 117 Rep 324 Posts Drives: '18 F15 40e Join Date: Jan 2015 Location: NYC iTrader: (0)	Dongle from your insurance company. I'm wondering if anyone plugs in any kind of dongle from your insurance company in your X5? My agent talked me about this today and asked if I'd like to save additional 10% in my first premium (6-months). I'm not worrying about the privacy things and am aware of the items they want to monitor. I know th hard brake is the key point... I'm fine with all that. But I'm kind of scared by two things - . Someone may be able to remote to my car and mess up my codes then screw up some features or sensors on my X5. These dongles are easily hacked. . None of insurance companies can deny and they have to obey the court order to surrender the data if you're involved in any of lawsuits or accidents. Maybe I'm too exaggerated but they make me worried. I said NO to her. 10% can't buy these... I even don't know if the dongle is working with X5 or not. (All the insurances kinds of say BMW is compatible.)
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01-23-2015, 11:41 PM	#2
SaskeyInWash New Member 2 Rep 6 Posts Drives: 2015 X5 xDrive 50i Join Date: Dec 2014 Location: PNW iTrader: (0)	10% isn't worth it to me either. I am also not willing to connect one to my vehicles after reading stores like this. http://www.kirotv.com/news/news/insu...-damage/nfdQw/ My GF did it on her 328i and had no issues but i'm not going to take the chance with as many electronics that are in our vehicles.
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01-24-2015, 12:27 AM	#3
opasha Brigadier General 1331 Rep 3,990 Posts Drives: 2014 BMW X5 50i Join Date: Apr 2014 Location: Maryland iTrader: (0)	I wouldn't take that chance. Not worth it in my humble opinion. __________________ 2014 X5 50i X-Line // Mineral White
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01-24-2015, 01:01 AM	#4
Ashot12 Private First Class 72 Rep 174 Posts Drives: 2014 x35i, lotus Elise sc Join Date: Dec 2014 Location: Nor Cal iTrader: (0)	Does not sound good
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01-24-2015, 08:48 AM	#6
paicapo Lieutenant 265 Rep 420 Posts Drives: E92 M3, F15 X5 M-sport Join Date: Apr 2012 Location: EU iTrader: (0)	I got a dongle to go whit the key and so does everyone here in Sweden that buyes the f15 at bmw, the dongle is a gprs tracker if the car gets stolen and you get a discount on your insurance premium.
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		BMW X5 and X6 Forum (F15/F16) > BMW X5 (F15) and BMW X6 (F16) Forum > BMW X5 and X6 (F15/F16) Forum
Dongle from your insurance company.

01-24-2015, 09:24 AM	#8
NoPII Lieutenant 152 Rep 518 Posts Drives: 2024 XM Label Join Date: Jun 2009 Location: Seattle, WA, USA iTrader: (0) Garage List 2024 BMW XM Label [0.00]	I tried it briefly, and returned it for the premium increase. It's incredibly stressful to drive with. If you brake hard at any point you get three sharp beeps from the device warning you you've been "dinged". It made me drive more dangerously, as I held off braking as long as possible - keeping it soft and smooth until I had absolutely no choice. It's a dumb device - no remote coding etc, it's just a one-way send of GPS, time, and accelerometer data. They can easily track, should they choose to do so, your speed too.... too much stress, too much privacy invasion.
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01-24-2015, 10:16 AM	#9
rganguly Private 5 Rep 66 Posts Drives: BMW X5 Join Date: Oct 2013 Location: Chicago, IL iTrader: (0)	Good and Bad I have the dongle for 3 yrs now on my honda, getting a good discount. As for my X5 I had it and within few days I started getting a Battery Drain error. So removed it from BMW since then
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01-24-2015, 10:22 AM	#10
MRV99 Major 254 Rep 1,067 Posts Drives: 2017 M3 ZCP / 2017 RRS SC Join Date: Aug 2012 Location: Naperville iTrader: (1) Garage List 2017 BMW M3 ZCP [0.00]	You would be crazy to do it. Yea you save a but of money but it also opens you up for the insurance denying any claims. They will simply bury a clause somewhere deep in the policy that until dongle data has been reviewed. Then they could say they will not cover the claim because of data which shows you Violated the policy some how. Besides, the more people who give into this crap, the easier it will be for the insurance companies to make it a mandatory requirement for all drivers. __________________ 17 M3 ZCP -- 2017 Range Rover Sport SC --RIP-- 12 X5 50i Sport -- 11 M3 DCT -- 2011 X5 50i(Lemon) -- 2008 550 Msport -- 2007 x5 4.8 sport -- 2004 545 sport -- 2002 x5 4.4 sport -- 2001 540i Msport 2000 SL500 -- 1997 SL500
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01-24-2015, 10:27 AM	#11
Doanster Major 627 Rep 1,181 Posts Drives: 2014 F15 Carbon Black M-Sport Join Date: Aug 2009 Location: Oregon iTrader: (0)	Ten percent is def NOT worth it IMO, especially if it's only for the first six months. It would take something like 20% in perpetuity before I'd consider it. Granted, if I had five pts on my record and was paying $500/month... __________________ A little mod here, a little mod there...
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01-24-2015, 11:39 AM	#12
Ashot12 Private First Class 72 Rep 174 Posts Drives: 2014 x35i, lotus Elise sc Join Date: Dec 2014 Location: Nor Cal iTrader: (0)	Do Not Trust Insurance Company, Period.
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01-24-2015, 12:45 PM	#15
MattBianco Lieutenant Colonel 1281 Rep 1,886 Posts Drives: 2015 X5 35d msport Join Date: Jun 2014 Location: Marin, California iTrader: (0)	Who trust insurance companies selling retail coverage? I would not take it if my insurance was free with the dongle. __________________ Amber or Red Rear Turn Signals? Vote/have your say: LINK. Post your MPGs 100L/km here: LINK X5 F15 Engines Compared LINK Take the BMW X5 F15 Survey: LINK See the Results: LINK N57 Diesel Tuning Chips Compared LINK
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01-24-2015, 07:52 PM	#16
retx First Lieutenant 117 Rep 324 Posts Drives: '18 F15 40e Join Date: Jan 2015 Location: NYC iTrader: (0)	Btw, this is what I mentioned above. The device is technically vulnerable. And, it's possible hackers can feed the signals back to the dongle/vehicle. https://threatpost.com/holes-in-prog...r-hacks/110511 http://www.esecurityplanet.com/netwo...le-hacked.html
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01-24-2015, 10:08 PM	#18
Wobbles Second Lieutenant 298 Rep 286 Posts Drives: F02, F13, F15 Join Date: Sep 2011 Location: Singapore iTrader: (0)	Dongle. Good grief. Isn't that something JAV (Japan Adult Video) "actresses" use as props in their "movies"? Damn it, I gotta get out of the house more often
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