Speeding on black box insurance policies

[BertBert]

this is what one company has to say on the matter...

http://www.ingenie.com/protecting-your-data

We will not release your data to the police or to any civil authorities, unless we suspect fraud or attempted fraud, or if we are required to do so by law or a court order.
We will not be using your driving data as a 'speed camera'.
We will not use the data to decline your claim simply because you were driving above the legal speed limit.
We will use the data to help us identify if another driver is making a false claim against you.
We will use the data to help us identify if you are making a false claim.

[LoonR1]

BertBert said:

this is what one company has to say on the matter...

http://www.ingenie.com/protecting-your-data

We will not release your data to the police or to any civil authorities, unless we suspect fraud or attempted fraud, or if we are required to do so by law or a court order.
We will not be using your driving data as a 'speed camera'.
We will not use the data to decline your claim simply because you were driving above the legal speed limit.
We will use the data to help us identify if another driver is making a false claim against you.
We will use the data to help us identify if you are making a false claim.

So, exactly as I said.

[dingg]

Soov535 said:

He is likely to have his cover cancelled (if he hasn't already) and if he has an accident you can bet your ringpiece that the insurers will use the data as an excuse not to pay.

Police will also find the data very interesting.

My nephew has a black box for insurance data in his car - he has recently written it off , first year of passing test and driving .

No other car involved simply driving like a tt , the insurance paid out full market value on his car , they disclosed to him with info. gleaned from the box that he had been driving at up to 105mph(motorway) and was driving at 40 in a 30 zone at the time of accident. NO reduction in his payout and they are happy to insure him further , BUT his premiums are very high - approx £3600pa on a 1.2 corsa

lets hope he's learned his lesson and realises you can't get away from the data held on the box.

The data was not forwarded to the police (who were involved at his accident) and no prosecution is being sought by them

[Devil2575]

dingg said:

Soov535 said:

He is likely to have his cover cancelled (if he hasn't already) and if he has an accident you can bet your ringpiece that the insurers will use the data as an excuse not to pay.

Police will also find the data very interesting.

My nephew has a black box for insurance data in his car - he has recently written it off , first year of passing test and driving .

No other car involved simply driving like a tt , the insurance paid out full market value on his car , they disclosed to him with info. gleaned from the box that he had been driving at up to 105mph(motorway) and was driving at 40 in a 30 zone at the time of accident. NO reduction in his payout and they are happy to insure him further , BUT his premiums are very high - approx £3600pa on a 1.2 corsa

lets hope he's learned his lesson and realises you can't get away from the data held on the box.

The data was not forwarded to the police (who were involved at his accident) and no prosecution is being sought by them

So all very fair then, all things considered.

[dingg]

Devil2575 said:

So all very fair then, all things considered.

yes I was quite surprised tbh

[WatchfulEye]

There have been cases where the police have seized insurance telematics data and used it to prosecute for dangerous driving.

for example:
http://www.bbc.co.uk/news/uk-england-hampshire-259...

A driver was being prosecuted for causing death by careless driving, but the police obtained black box data which showed him to be a "serial speeder" and successfully prosecuted for dangerous driving based on black box data.

[Devil2575]

WatchfulEye said:

There have been cases where the police have seized insurance telematics data and used it to prosecute for dangerous driving.

for example:
http://www.bbc.co.uk/news/uk-england-hampshire-259...

A driver was being prosecuted for causing death by careless driving, but the police obtained black box data which showed him to be a "serial speeder" and successfully prosecuted for dangerous driving based on black box data.

Good.

[TwigtheWonderkid]

Devil2575 said:

dingg said:

Soov535 said:

He is likely to have his cover cancelled (if he hasn't already) and if he has an accident you can bet your ringpiece that the insurers will use the data as an excuse not to pay.

Police will also find the data very interesting.

My nephew has a black box for insurance data in his car - he has recently written it off , first year of passing test and driving .

No other car involved simply driving like a tt , the insurance paid out full market value on his car , they disclosed to him with info. gleaned from the box that he had been driving at up to 105mph(motorway) and was driving at 40 in a 30 zone at the time of accident. NO reduction in his payout and they are happy to insure him further , BUT his premiums are very high - approx £3600pa on a 1.2 corsa

lets hope he's learned his lesson and realises you can't get away from the data held on the box.

The data was not forwarded to the police (who were involved at his accident) and no prosecution is being sought by them

So all very fair then, all things considered.

Might have been fairer on the rest of us if they had passed the info on to the police. An inexperienced driver doing 105 on the motorway. It may be one of our loved ones in his path next time he loses control.

[LoonR1]

WatchfulEye said:

There have been cases where the police have seized insurance telematics data and used it to prosecute for dangerous driving.

for example:
http://www.bbc.co.uk/news/uk-england-hampshire-259...

A driver was being prosecuted for causing death by careless driving, but the police obtained black box data which showed him to be a "serial speeder" and successfully prosecuted for dangerous driving based on black box data.

Where do you get "police have seized insurance telematics data" from? The article says they used it to prosecute and the last line of the article states that insurers will only release it when compelled to do so by a court, which is exactly as it should be.

Edited by LoonR1 on Friday 30th January 09:11

[p1esk]

Devil2575 said:

dingg said:

Soov535 said:

He is likely to have his cover cancelled (if he hasn't already) and if he has an accident you can bet your ringpiece that the insurers will use the data as an excuse not to pay.

Police will also find the data very interesting.

My nephew has a black box for insurance data in his car - he has recently written it off , first year of passing test and driving .

No other car involved simply driving like a tt , the insurance paid out full market value on his car , they disclosed to him with info. gleaned from the box that he had been driving at up to 105mph(motorway) and was driving at 40 in a 30 zone at the time of accident. NO reduction in his payout and they are happy to insure him further , BUT his premiums are very high - approx £3600pa on a 1.2 corsa

lets hope he's learned his lesson and realises you can't get away from the data held on the box.

The data was not forwarded to the police (who were involved at his accident) and no prosecution is being sought by them

So all very fair then, all things considered.

Yes, in that particular case I would say it was, but in general terms I'm inclined to support what supermono suggested. Those who wish to impose these systems on others should definitely be subject to them.

[JumboBeef]

ging84 said:

there was a case where the data from a tracker in a hire car was used in court against someone, can't remember the details, i think they ran someone over, they weren't speeding at the time, but had been driving way over the limit on previous occasions

http://www.fifetoday.co.uk/news/local-headlines/shocking-catalogue-of-speeding-of-driver-who-killed-two-women-in-kirkcaldy-1-3593144

[Devil2575]

p1esk said:

Yes, in that particular case I would say it was, but in general terms I'm inclined to support what supermono suggested. Those who wish to impose these systems on others should definitely be subject to them.

I tend to ignore what Supermono says based on the content of his posts

No one is wishing to impose anything on anyone else.

In fact based on what people who have actually had these policies have said they are far from the 'tool of oppression' that some would have you believe.

[TwigtheWonderkid]

Devil2575 said:

p1esk said:

Yes, in that particular case I would say it was, but in general terms I'm inclined to support what supermono suggested. Those who wish to impose these systems on others should definitely be subject to them.

I tend to ignore what Supermono says based on the content of his posts

No one is wishing to impose anything on anyone else.

In fact based on what people who have actually had these policies have said they are far from the 'tool of oppression' that some would have you believe.

Exactly right. Perhaps Supermono thinks that if Vodafone offer me a contact with restricted minutes and texts, in return for a lower price, then everyone employed at Vodafone should be obligated into having a restricted contract?

Utter tripe.