Black Box - Admiral/Bell

Author
Discussion

D1on

Original Poster:

802 posts

185 months

Wednesday 22nd April 2015
quotequote all
Been looking at these lately as quotes seem a lot cheaper for me...

However when people say they can "penalise" you, How would they do this to me if I pay for a years insurance in full?...

They cant just help themselves to money out of my bank account...??

anonymous-user

53 months

Wednesday 22nd April 2015
quotequote all
They are making a prediction about how you drive, if you drive as predicted you don't pay anymore but if you drive worse their risk increases and the premium goes up.

You will have agreed to pay more if needed as part of signing up for the policy so you cannot compare the true cost compared to other policies until you have completed the term of the policy I.e. A year.

BertBert

18,953 posts

210 months

Wednesday 22nd April 2015
quotequote all
Might be worth reading their policy and any terms to make sure you get the facts rather than hat "people" say.

Just a thought.

Bert

ging84

8,825 posts

145 months

Wednesday 22nd April 2015
quotequote all
they can cancel your policy
usually what telemetrics companies do is send out a warning letter or 2 and if they still aren't happy, they offer you a choice of converting your policy into a standard policy if you meet their criteria for one, or cancelling the policy, converting usually comes with a massive cost increase.
But they usually have the right to give you notice they are simply cancelling it with 7 days notice if you do anything they really don't like, they would need to give a prorata refund (no doubt less an unreasonable 'admin' fee) if the policy was paid upfront

D1on

Original Poster:

802 posts

185 months

Thursday 23rd April 2015
quotequote all
ging84 said:
they can cancel your policy
usually what telemetrics companies do is send out a warning letter or 2 and if they still aren't happy, they offer you a choice of converting your policy into a standard policy if you meet their criteria for one, or cancelling the policy, converting usually comes with a massive cost increase.
But they usually have the right to give you notice they are simply cancelling it with 7 days notice if you do anything they really don't like, they would need to give a prorata refund (no doubt less an unreasonable 'admin' fee) if the policy was paid upfront
So if they cancelled the policy...
You would get a refund except for the months that you'd had the cover for?... smile

ging84

8,825 posts

145 months

Thursday 23rd April 2015
quotequote all
D1on said:
So if they cancelled the policy...
You would get a refund except for the months that you'd had the cover for?... smile
yeah, less some fees no doubt
but you would probably never get car insurance ever again, at least not at a sensible price
having car insurance cancelled follows you around like a bad smell, for ever

BertBert

18,953 posts

210 months

Thursday 23rd April 2015
quotequote all
BertBert said:
Might be worth reading their policy and any terms to make sure you get the facts rather than hat "people" say.

Just a thought.

Bert
Really Bert what does it say? Well it seems to contradict most of the rubbish spotted on this thread. I just hope the op has read your post and finds out for himself rather than relying on misinformation from people who are just guessing.

OK thanks Bert.

Viperz888

558 posts

157 months

Thursday 23rd April 2015
quotequote all
BertBert said:
BertBert said:
Might be worth reading their policy and any terms to make sure you get the facts rather than hat "people" say.

Just a thought.

Bert
Really Bert what does it say? Well it seems to contradict most of the rubbish spotted on this thread. I just hope the op has read your post and finds out for himself rather than relying on misinformation from people who are just guessing.

OK thanks Bert.
You can lead a horse to water...

bad company

18,483 posts

265 months

Thursday 23rd April 2015
quotequote all
D1on said:
So if they cancelled the policy...
You would get a refund except for the months that you'd had the cover for?... smile
Then when you come to re insure and they ask 'have you ever had cover cancelled', you would have to answer yes. Now that really could give you a problem.

I would never even consider a black box. Apart from anything else I dont want to be tracked wherever I go.

TwigtheWonderkid

43,246 posts

149 months

Thursday 23rd April 2015
quotequote all
bad company said:
I would never even consider a black box. Apart from anything else I dont want to be tracked wherever I go.
So you've given up your mobile phone, credit/debit cards, store loyalty cards etc.

lbc

3,212 posts

216 months

Thursday 23rd April 2015
quotequote all
TwigtheWonderkid said:
bad company said:
I would never even consider a black box. Apart from anything else I dont want to be tracked wherever I go.
So you've given up your mobile phone, credit/debit cards, store loyalty cards etc.
You forgot he must also be invisible to avoid any CCTV/ANPR. biggrin

bad company

18,483 posts

265 months

Thursday 23rd April 2015
quotequote all
TwigtheWonderkid said:
bad company said:
I would never even consider a black box. Apart from anything else I dont want to be tracked wherever I go.
So you've given up your mobile phone, credit/debit cards, store loyalty cards etc.
Not the same thing at all IMO. The black box is there to check your speed & driving etc. Tracking on a mobie can be turned off. Credit card use is hardly the same as being tracked whenever you move.

brman

1,233 posts

108 months

Thursday 23rd April 2015
quotequote all
bad company said:
Not the same thing at all IMO. The black box is there to check your speed & driving etc. Tracking on a mobie can be turned off. Credit card use is hardly the same as being tracked whenever you move.
you do know that you can be tracked from your cell position don't you?
Of course you could always put it in flight mode smile

pendantry aside, I agree though - I'd not want a black box. Interestingly when we check insurance for my daughter the black box lot were not the cheapest anyway (that was diamond/admiral amazingly enough)

Motorrad

6,811 posts

186 months

Thursday 23rd April 2015
quotequote all
What happens with these policies if their signal just happens to be 'accidentally' lost most of the fking time because someone is using a signal blocker?

Surely it must be cheaper to take one of these and then just pay for a device to 'fk their st the fk up'?

bad company

18,483 posts

265 months

Thursday 23rd April 2015
quotequote all
brman said:
bad company said:
Not the same thing at all IMO. The black box is there to check your speed & driving etc. Tracking on a mobie can be turned off. Credit card use is hardly the same as being tracked whenever you move.
you do know that you can be tracked from your cell position don't you?
Of course you could always put it in flight mode smile

pendantry aside, I agree though - I'd not want a black box. Interestingly when we check insurance for my daughter the black box lot were not the cheapest anyway (that was diamond/admiral amazingly enough)
Yes I did know that after Mrs BC needed to call an ambulance for an old lady who had taken a bad fall. They knew exactly where she was. My point is that while you CAN be tracked by your mobile unless you a bank robber or something seriously who is going to bother. Is it even legal for the mobile companies to track its customers?

brman

1,233 posts

108 months

Thursday 23rd April 2015
quotequote all
bad company said:
Yes I did know that after Mrs BC needed to call an ambulance for an old lady who had taken a bad fall. They knew exactly where she was. My point is that while you CAN be tracked by your mobile unless you a bank robber or something seriously who is going to bother. Is it even legal for the mobile companies to track its customers?
I have to admit I thought they need court order or something to track you. But if the ambulance service can do it for anyone I guess not.......

anonymous-user

53 months

Thursday 23rd April 2015
quotequote all
Hmm, using a gps blocker. The FCC. in the US caught a bloke using one of these devices because his company fitted a tracker to his company vehicle, the initial fine was over $40k, I think it got reduced to around $20k after pleading poverty but he personally had to pay the fine.

Gps blockers are illegal to use because they cause interference with legitimate services I.e. Gps, I also don't doubt the insurance company would know what he is doing, call it fraud, cancel the policy and leave the perpertrator with a double nasty smell of cancelled policy and insurance fraud in a neat little package to follow him round for the rest of his life.

Durzel

12,232 posts

167 months

Friday 24th April 2015
quotequote all
Apocryphal but a friends Mum "went missing" (turned out she'd gone to cinema, but was uncharacteristic for her and she hadn't told anyone). Police were able to locate her fairly quickly from just her mobile number, without court orders or similar.

Devil2575

13,400 posts

187 months

Friday 24th April 2015
quotequote all
D1on said:
Been looking at these lately as quotes seem a lot cheaper for me...

However when people say they can "penalise" you, How would they do this to me if I pay for a years insurance in full?...

They cant just help themselves to money out of my bank account...??
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...

bad company

18,483 posts

265 months

Friday 24th April 2015
quotequote all
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.

This is worth reading:-

http://cars.aol.co.uk/2014/02/19/the-hidden-truths...