Insurance Black Box

[B3ALP]

Anyone have any experience of these Good or Bad?
Looks very much like this is the way I am going to have to go for the Boy.
Can't help but think it will take the fun out of it a little

[thatdude]

What car is he looking to get insurance on?

[lockhart flawse]

We have one fitted to our 18yo's Panda because we saved £300+ with Direct Line. The boy is fine about it and so am I because, apart from the money saving, it encourages him to drive safely in a way he probably would not normally be inclined to. Have to admit that I possibly over-egged the omelette when I mentioned the dire consequences for his future premiums if he speeds.

[PimpmyHotwheels]

I'm 20 years old and have had a black box for the past three years. The first year was fine but now can't wait to go onto a normal insurance policy this summer

[DannyB95]

I wouldn't touch one with a bargepole. My first year is about to come to an end, paying £1900 back in May 2013 for a 1.3 KA, I've now got quotes for around £700 for the same KA with 1NCB, all of which are non-black box and are even cheaper than the black box policies that are on the same comparison website.

[B3ALP]

thatdude said:

What car is he looking to get insurance on?

1.0 Polo / Lupo, Yaris or an old caddy pickup

[Ash From Flux]

It really depends. They come in a few different 'flavours'. Some, as mentioned above, will track driving habit, style, driving times and change the premiums accordingly. Others, such as the one offered by ourselves, track mileage exclusively. Not saying that either are right/wrong, just depends on what is comfortable with the owner/driver, I suppose. If you'd like any help, feel free to drop me a message.

Thanks,

Ash

[IntriguedUser]

I'd not touch one myself..

They mark you on acceleration/braking, so you'll get punished for doing an emergency stop to prevent killing a child, same for avoiding a fox in the road... too black and white.

[Theadamh1234]

I've got one so far after six months all is good, it must have saved me atleast 3k. Be careful though some fine you for bad driving or driving at night, mine is just millage based so all is good

[B3ALP]

IntriguedUser said:

I'd not touch one myself..

They mark you on acceleration/braking, so you'll get punished for doing an emergency stop to prevent killing a child, same for avoiding a fox in the road... too black and white.

REALLY?
I thought they were based on an average not one event.

[B3ALP]

Theadamh1234 said:

I've got one so far after six months all is good, it must have saved me atleast 3k. Be careful though some fine you for bad driving or driving at night, mine is just millage based so all is good

So it just monitors how many miles you do a year?
How many did you declare?

[Theadamh1234]

B3ALP said:

So it just monitors how many miles you do a year?
How many did you declare?

It does monitor how i drive, but it only effects my renewal quote. I am on a 6,000 mile policy with extra miles if i drive well with tesco ins.

[B3ALP]

Theadamh1234 said:

It does monitor how i drive, but it only effects my renewal quote. I am on a 6,000 mile policy with extra miles if i drive well with tesco ins.

Oh OK good to know, it is Tesco that we have had the best quotes from.
Thanks.



AND
Cheers Ash, I will be in touch.