Black Box - Admiral/Bell
Discussion
A colleague had one fitted.
He was 23 but only been driving for a year.
Focus 1.6 58reg living in an ok postcode, he paid £1300 for the first year.
After driving for a year it came down to £800.
He didn't drive particularly slowly but didn't go stupid.
Just normal driving.
Didn't find it restrictive and didn't worry that he was being tracked.
It was just a way of getting cheaper insurance.
He was 23 but only been driving for a year.
Focus 1.6 58reg living in an ok postcode, he paid £1300 for the first year.
After driving for a year it came down to £800.
He didn't drive particularly slowly but didn't go stupid.
Just normal driving.
Didn't find it restrictive and didn't worry that he was being tracked.
It was just a way of getting cheaper insurance.
GreatGranny said:
A colleague had one fitted.
He was 23 but only been driving for a year.
Focus 1.6 58reg living in an ok postcode, he paid £1300 for the first year.
After driving for a year it came down to £800.
He didn't drive particularly slowly but didn't go stupid.
Just normal driving.
Didn't find it restrictive and didn't worry that he was being tracked.
It was just a way of getting cheaper insurance.
Yeah but insurance is a funny thing like that for example my first year of insurance was £1600 at the age of 18, the next year it went down to £860 and this is all without a black box at all.He was 23 but only been driving for a year.
Focus 1.6 58reg living in an ok postcode, he paid £1300 for the first year.
After driving for a year it came down to £800.
He didn't drive particularly slowly but didn't go stupid.
Just normal driving.
Didn't find it restrictive and didn't worry that he was being tracked.
It was just a way of getting cheaper insurance.
Maybe I live in a better area than your colleague? who knows
bad company said:
Devil2575 said:
Talk to the insurer. Don't ask on here because you'll get all sorts of made up conspiracy theories from the tin foil hat brigade.
There have been posts in the past from people who have been very happy with this kind of policy.
http://www.which.co.uk/money/insurance/guides/blac...
Bit late for that as the op did ask on here, prehaps because he wanted to hear what people thought and what the pitfalls might be.There have been posts in the past from people who have been very happy with this kind of policy.
http://www.which.co.uk/money/insurance/guides/blac...
This is worth reading:-
http://cars.aol.co.uk/2014/02/19/the-hidden-truths...
What's clear to me is that black box insurance is something of an emotive issue for some and as such any objectivity flies out of the window.
That link is based on an article in the Daily Mail and at the time it was disected thorougly on here. From what I can see the truths are only hidden if you don't bother to properly read up on the product you're buying. The insurers also seem to be offering the discounted rate up front rather than waiting to see how you drive, so the idea that you might not get a discount seems a bit out of date. If it turns out that you drive like a tool then your premium goes up. It's like any other contract, if you don't live up to the terms then you are in trouble.
GreatGranny said:
A colleague had one fitted.
He was 23 but only been driving for a year.
Focus 1.6 58reg living in an ok postcode, he paid £1300 for the first year.
After driving for a year it came down to £800.
He didn't drive particularly slowly but didn't go stupid.
Just normal driving.
Didn't find it restrictive and didn't worry that he was being tracked.
It was just a way of getting cheaper insurance.
Would that not be the 1y NCD, plus being a year older, car depreciation etc?He was 23 but only been driving for a year.
Focus 1.6 58reg living in an ok postcode, he paid £1300 for the first year.
After driving for a year it came down to £800.
He didn't drive particularly slowly but didn't go stupid.
Just normal driving.
Didn't find it restrictive and didn't worry that he was being tracked.
It was just a way of getting cheaper insurance.
Devil2575 said:
Perhaps he did but that doesn't mean that any of what he gets back is meaningful in any way shape or form.
What's clear to me is that black box insurance is something of an emotive issue for some and as such any objectivity flies out of the window.
That link is based on an article in the Daily Mail and at the time it was disected thorougly on here. From what I can see the truths are only hidden if you don't bother to properly read up on the product you're buying. The insurers also seem to be offering the discounted rate up front rather than waiting to see how you drive, so the idea that you might not get a discount seems a bit out of date. If it turns out that you drive like a tool then your premium goes up. It's like any other contract, if you don't live up to the terms then you are in trouble.
All well and good if you don't mind your insurance company tracking everywhere you go. What's clear to me is that black box insurance is something of an emotive issue for some and as such any objectivity flies out of the window.
That link is based on an article in the Daily Mail and at the time it was disected thorougly on here. From what I can see the truths are only hidden if you don't bother to properly read up on the product you're buying. The insurers also seem to be offering the discounted rate up front rather than waiting to see how you drive, so the idea that you might not get a discount seems a bit out of date. If it turns out that you drive like a tool then your premium goes up. It's like any other contract, if you don't live up to the terms then you are in trouble.
For young/new drivers who have trouble getting competitive insurance, yes I can at least understand why they do it.
bad company said:
All well and good if you don't mind your insurance company tracking everywhere you go.
t.
Meh. It saved my eldest £800 in year 1 and £500 in year 2. It also acts like a free Tracker.t.
I'm not sure why anybody would be bothered about the InsCo knowing where you've been (except Stalkers and Sex Offenders I suppose....
)bad company said:
Devil2575 said:
Perhaps he did but that doesn't mean that any of what he gets back is meaningful in any way shape or form.
What's clear to me is that black box insurance is something of an emotive issue for some and as such any objectivity flies out of the window.
That link is based on an article in the Daily Mail and at the time it was disected thorougly on here. From what I can see the truths are only hidden if you don't bother to properly read up on the product you're buying. The insurers also seem to be offering the discounted rate up front rather than waiting to see how you drive, so the idea that you might not get a discount seems a bit out of date. If it turns out that you drive like a tool then your premium goes up. It's like any other contract, if you don't live up to the terms then you are in trouble.
All well and good if you don't mind your insurance company tracking everywhere you go. What's clear to me is that black box insurance is something of an emotive issue for some and as such any objectivity flies out of the window.
That link is based on an article in the Daily Mail and at the time it was disected thorougly on here. From what I can see the truths are only hidden if you don't bother to properly read up on the product you're buying. The insurers also seem to be offering the discounted rate up front rather than waiting to see how you drive, so the idea that you might not get a discount seems a bit out of date. If it turns out that you drive like a tool then your premium goes up. It's like any other contract, if you don't live up to the terms then you are in trouble.
For young/new drivers who have trouble getting competitive insurance, yes I can at least understand why they do it.
Do you think the insurer cares that much where I go?
For years people have moaned that insurance companies lumped them in with others of a similar age/car/area/occupation/etc., and took no account of their own actions as an individual. And it wasn't fair.
Now a method exists whereby you get judged on your own actions, and not how all the other people of your ilk behave, and people do nothing but complain about it!
Funny old world.
Now a method exists whereby you get judged on your own actions, and not how all the other people of your ilk behave, and people do nothing but complain about it!
Funny old world.
TwigtheWonderkid said:
For years people have moaned that insurance companies lumped them in with others of a similar age/car/area/occupation/etc., and took no account of their own actions as an individual. And it wasn't fair.
Now a method exists whereby you get judged on your own actions, and not how all the other people of your ilk behave, and people do nothing but complain about it!
Funny old world.
I don't think anybody is complaining about black boxes. I have just said that I would not have one for the reasons already stated.Now a method exists whereby you get judged on your own actions, and not how all the other people of your ilk behave, and people do nothing but complain about it!
Funny old world.
If however they help young drivers to get affordable insurance AND encourage them to drive safely as they are being watched that is probably a good thing.
bad company said:
I don't think anybody is complaining about black boxes.
Read some of the previous threads. Apparently it's the thin end of the big brother wedge and we'll all have them by law come Tuesday week, and anyone that opts for it now is a traitor who is facilitating the governments secret plan to track our every move and fine us if we move our car on the driveway without putting our seatbelt on.We're told that we shouldn't be able to choose to have a black box because in future we may not have a choice.
Motorrad said:
What happens with these policies if their signal just happens to be 'accidentally' lost most of the f
king time because someone is using a signal blocker?
They send someone out to inspect the vehicle to see why the box isn't working, I'm pretty sure they will have with people thinking they are cleverer than them before.king time because someone is using a signal blocker?ohtari said:
I'm surprised that no one has mentioned this yet. With a lot of those policies, if you exceed a certain speed (usually 100mph) then they have the automatic right to cancel the policy.
I await crucifixion for even suggesting such an act. but in the real world, these things happen...
They do. But if somebody is the type of driver who regularly or occasionally exceeds 100 mph, maybe these policies aren't aimed at them?I await crucifixion for even suggesting such an act. but in the real world, these things happen...
My understanding is that the black boxes allow the InsCos to calculate risk more accurately, and therefore price insurance more accurately. Surely this is exactly what all right-thinking PH driving gods want? Why should we pay for the old, the reckless, and the incompetent?
TwigtheWonderkid said:
bad company said:
I don't think anybody is complaining about black boxes.
Read some of the previous threads. Apparently it's the thin end of the big brother wedge and we'll all have them by law come Tuesday week, and anyone that opts for it now is a traitor who is facilitating the governments secret plan to track our every move and fine us if we move our car on the driveway without putting our seatbelt on.Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff