[TD MyAdvantage] Enhance distracted driving detection to differentiate driver and passenger phone us

So TD rolled out this new app a while back and they changed the yearly reassessment to half yearly. Now you can be penalized for driving a little crazier than an 80 year old for an increase up to 30%. But since it’s an average of all the data you could make it work. But they also reduced the time you can review the trips from 2 weeks to 1 week. Which means if i miss one weekend to not go into the app( which is when i usually have time), all the trips it decided was a drive done by me gets recorded. And now since it also monitors “distractions”, i have to caution my spouse against touching my phone while driving. Today i realized there is another cherry on top. Apparently if u decide to opt out of the driving program any discounts you have gotten up to that point gets taken away. But if you had gotten an increase in premium from the program then that stays even if you opt out. That is a lose-lose situation for the consumer in my opinion. Now a lot of people might say to just drive carefully which i am all for. But i have found myself having to go significantly slower than the general traffic which leads to a lot of crazy overtaking. And it seems the app always find my braking too hard for god knows what reason. I did manage to still get a discount but i nowadays feel that i walk at the edge of a cliff with this app. And yes, i will change my insurance for sure during renewal in a few months. Are there any insurance providers that are reasonable these days? Thanks for listening to me.