This is 100% a solid use case... I have heard of similar incidents with mobile phones, unfortunately though as far as insurance is concerned, until the apps are accredited (which most companies won't do because of cost and additional work) they won't recognise them as a "tracker"... The phone apps are also a really sore subject as it relies on people removing the car when they sell it (I was able to track my BMW all the way down to Bristol when I sold it, I took it off when I remembered I was still logged in) so buying a second hand car with a smart app leaves it open for someone to be able to track your whereabouts, and if they happen to have a spare key, well... they could theoretically steal the car back and sell on etc... or simply sell the key and location of the car. Admittedly this is an extreme and niche example, but not beyond the realms of possibility, and as someone who works in cyber security (specifically with connected and autonomous vehicles) it is something that makes my skin crawl... I don't want to break down the MG app to see what that is doing in the background and what information it is sending to China lol
