Fortunately, my car is too old for OTA software updates, as I would also have reservations about loading updates that may do more harm than good in some cases. However, it’s worth being aware that there may be insurance cover implications if you’re intending to not do OTA software updates.Had log-in issues but think it's vers 1803. Quoting self "I agree with the OP & don't intend to do OTA updates at all, despite encouragement from the dealer. Seen too many posts & videos on Youtube of people who attempted it & some absolute nitemare scernarios ensued: screen permanently froze in mid-update, just went black & stayed black, updating forever, nothing worked afterwards, items randomly changing & turning themselves on & off, etc, etc. Prob like any electronic device (PCs, phones, etc) IMO when they work fine they are great, when they don't, well the dustbin is too good for them. I get random functions apparently not available (hill start, front assist, etc) 99.99% of the time the messages soon disappear but they work work anyway, but always when the car has been stopped & re-started, mechanically the car is fine. If others have OTA updates to work that's great, but I'm leaving any updates to the dealer at servces"....
My car insurance policy (I’m insured with LV) has a specific clause in it relating to OTA updates and as more car manufacturers move to OTA software updates, I dare say a similar clause in other insurance companies policies may become the norm. The clause in my policy states;
The policy cover excludes;
‘Loss or damage caused by failure to install and/or accept OTA updates recommended by your car's manufacturer.’
So it would be worth checking your policy to see if you have a similar clause before making the decision not to accept future OTA updates. Not complying with the policy terms might invalidate the policy in the event of a claim, and insurance companies don’t need much of an excuse to not pay out!