I don't think that'd be less useful, but they can't trust what you say: "sure, I only drive very little, very carefully, and very slowly" is not something they

I don't think that'd be less useful, but they can't trust what you say: "sure, I only drive very little, very carefully, and very slowly" is not something they can check. If they can, they'll use it: that is why black box car insurance exists.