To be fair the PIN card NVSR was down to the UK insurance industry, not Fiat.
I agree to a point BUT the legal owner of the vehicle should never have been excluded from getting access to THEIR vehicles bank account!
And then to introduce a botched, not independently vetted system and business relationship with NVSR ... IS FIAT'S CUSTOMER FAILING and all other manufacturers who just passed the problem/solution on the best bidder.
I have no problems with security, privacy etc. and have been involved in this before I retired.
Now today I don't think matters are any better. In fact they are worse in that on later vehicles the PIN to access via the SGW can only be obtained by a "pass through" connection to Fiat's servers. This requires dealership/equivalent kit and an expensive subscription to Fiat servers/services. For vehicles security control/etc. than I can just about support this strategy. However but for all other normal OBDII / Diagnostics / Fault Clearing and device actuations then these should and must be openly available for private individuals, independent garages etc.
If you twisted my arm then I might say that a two security code system would possible be acceptable. Code.I given to vehicle owner for all non security related dignostics etc. and Code.II for vehicle security functions.
This is now pretty much water under the bridge as the industry is working it's way to a fully encrypted CAN-BUS system as opposed to a Fiat gateway bodge.
How this will work/pan out I have no idea but I'm fairly certain private owned vehicle self maintenance etc. will become a thing of the past
Two solutions.
1) Get/keep an old vehicle pre 2015
2) Build your own or kit car or mongrel vehicle
There is another aspect to all of this that people / Fiat / .... have not considered.
This is the vehicle heritage and classic community. Getting parts from Fiat for pre or post 80s cars is a dead end. Likewise the current 2015+ technical manuals etc. are now not available except in digital form at exorbitant costs.
My 2015 500X has a security code only available from Fiat servers (at cost AND being an authorised dealer etc.) My Strada Abarth is now 33 years old.
Can I honestly expect Fiat to be able to supply security information in 2048 when they could not supply critical Strada Abarth parts less than a year after they sold the last models in the UK DEPSITE the so called 10 year EU requirement.
In the years to come it will be interesting to see how this all pans out. I'm guessing the classic car ownership will end with pre 2015 models. Not only because the information etc. for enthusiasts to keep their vehicles on the road will not really be available (for them and it is THEM who drive the classic industry and not Fiat or other mfg.) but that the current society of vehicle drivers are just not interested or prohibited. Vehicles will just be a means to get from A to B. Ad on top of that that a Fiat was a Fiat, but then became a Fiat/GM hybrid, and then an FCA and now a FCA/Fiat/Peugeot/Citreon chameleon bag of bits concocted to increase market share and shareholder value in the short term.
Personally I see brand loyalty and respect being completely discarded and it will be a price vs warranty vs residual value vs customer service battle and the likes of Amazon might just win!