Black box - driver rating
Discussion
TwigtheWonderkid said:
I'm not seeing the problem. Of course any claim you have is a material fact for all your insurers assessing your risk going forward. So any claim needs to be disclosed to your other insurers. But only the bonus on the policy you claim on if reduced.
If you owned 2 houses and burnt one down by falling asleep in bed whilst smoking, do you not think the insurer of the other house is entitled to know that, and load their premium accordingly??
I guess, but motor insurance seems to have a pretty unique way of stitching up the average user. If you owned 2 houses and burnt one down by falling asleep in bed whilst smoking, do you not think the insurer of the other house is entitled to know that, and load their premium accordingly??
On the plus side:
my new Fiesta was originally £700 something. As it's only been registered today it's not on the insurance databases so - I can't get the exact numberplate so I found one on-line on Google.
- I changed my job (still correct, just another one of the million options) and dropped the value from 19000 to 18999 and it dropped to £580
- I "found" the car using the websites car finder thing, rather than using the registration number of a 2016MY
Now down to £430. Drivers win.
xjay1337 said:
I guess, but motor insurance seems to have a pretty unique way of stitching up the average user.
The average user isn't on PH. They are 40+, driving normal family hatchbacks and paying less that £250 for fully comp cover with unlimited tp injury cover and £50m tp property damage cover.The average user is pretty happy with their motor insurance. Or if they're unhappy, it's because they're too thick to appreciate the great deal they are getting and are miffed that their renewal has gone up form £170 to £190 or some such nonsense.
Geoffrey Boycott said:
I have an admiral black box. It is sold on the premise that the feedback it gives will make you a better driver but this is not the case in my opinion.
In my first year of driving the portal did not work so I did not get a score.
In my second year with a new car I've almost always been scored as bronze until the start of this year when I decided to change that. Now I receive silver over 50% of the time by sticking to speed limits and accelerating extremely slowly (slower than most buses).
But for days when I am scored bronze there is no obvious reason why which is why the system is pointless. There is a feedback section on the home page of the portal which gives a vague message such as "your acceleration has been sharp at times recently" but does not say on what day or which journeys this occured. How am I supposed to improve based on that when I am driving extremely smoothly and slowly already? How am I supposed to know what it counts as unsafe acceleration?
Another problem with the system is it only gives a score for each day rather than each journey which makes it even harder to pin-point there problem.
It also seems to mark you down to bronze for any long (mostly motorway-based) journeys and high average speed journeys no matter whether you stick to the speed limit or not.
On days when I get a gold rating I have no idea what I did correctly and therefore cannot replicate it.
Lastly, it uploads the telematics data with over a weeks delay so that you can't even remember what you did or where you drove on that particular day so any scores are meaningless.
Unfortunately depsite multiple attempts to learn how these things work there is somehow absolutely no information available on the internet detailing how these things work.
Strewth on a donkey...In my first year of driving the portal did not work so I did not get a score.
In my second year with a new car I've almost always been scored as bronze until the start of this year when I decided to change that. Now I receive silver over 50% of the time by sticking to speed limits and accelerating extremely slowly (slower than most buses).
But for days when I am scored bronze there is no obvious reason why which is why the system is pointless. There is a feedback section on the home page of the portal which gives a vague message such as "your acceleration has been sharp at times recently" but does not say on what day or which journeys this occured. How am I supposed to improve based on that when I am driving extremely smoothly and slowly already? How am I supposed to know what it counts as unsafe acceleration?
Another problem with the system is it only gives a score for each day rather than each journey which makes it even harder to pin-point there problem.
It also seems to mark you down to bronze for any long (mostly motorway-based) journeys and high average speed journeys no matter whether you stick to the speed limit or not.
On days when I get a gold rating I have no idea what I did correctly and therefore cannot replicate it.
Lastly, it uploads the telematics data with over a weeks delay so that you can't even remember what you did or where you drove on that particular day so any scores are meaningless.
Unfortunately depsite multiple attempts to learn how these things work there is somehow absolutely no information available on the internet detailing how these things work.
So, if you need to accelerate under full poke to avoid an out of control lorry, you get marked down? Great.
I really couldn't cope with this crap, I'd be constantly worried about inconveniencing other road users by being overcautious. I once saw a lad on the motorway with graphics writ large on his tailgate, saying SORRY, CAN'T GO FAST. BLACK BOX ON BOARD. I did laugh at the time but, thinking about it, it must be hard and he's probably not concentrating on what he ought to be.
I heard something on the radio last week about government looking into ways of reducing premiums for the young and old.
As an old fart, I look forward to something more sensible emerging...
mybrainhurts said:
I once saw a lad on the motorway with graphics writ large on his tailgate, saying SORRY, CAN'T GO FAST. BLACK BOX ON BOARD. I did laugh at the time but, thinking about it, it must be hard and he's probably not concentrating on what he ought to be.
The premiums for young drivers who agree to a black box are several hundred pounds, often over £1000 pounds, cheaper than an alternative policy without. Do you think that's because they are not concentrating on the right things and having accidents? I would guess it's because they are having fewer accidents, and the ones they are having are happening at a lower speed so incurring far less serious consequences. TwigtheWonderkid said:
mybrainhurts said:
I once saw a lad on the motorway with graphics writ large on his tailgate, saying SORRY, CAN'T GO FAST. BLACK BOX ON BOARD. I did laugh at the time but, thinking about it, it must be hard and he's probably not concentrating on what he ought to be.
The premiums for young drivers who agree to a black box are several hundred pounds, often over £1000 pounds, cheaper than an alternative policy without. Do you think that's because they are not concentrating on the right things and having accidents? I would guess it's because they are having fewer accidents, and the ones they are having are happening at a lower speed so incurring far less serious consequences. You're on one hell of a crusade, aren't you? You don't work for a certain data company in Sheffield, do you?
mybrainhurts said:
TwigtheWonderkid said:
mybrainhurts said:
I once saw a lad on the motorway with graphics writ large on his tailgate, saying SORRY, CAN'T GO FAST. BLACK BOX ON BOARD. I did laugh at the time but, thinking about it, it must be hard and he's probably not concentrating on what he ought to be.
The premiums for young drivers who agree to a black box are several hundred pounds, often over £1000 pounds, cheaper than an alternative policy without. Do you think that's because they are not concentrating on the right things and having accidents? I would guess it's because they are having fewer accidents, and the ones they are having are happening at a lower speed so incurring far less serious consequences. You're on one hell of a crusade, aren't you? You don't work for a certain data company in Sheffield, do you?
If I'm on a crusade, it's a crusade about a complete lack of critical thinking. People coming out with all manner of drivel whilst completely ignoring the actual facts.
mybrainhurts said:
So, if you need to accelerate under full poke to avoid an out of control lorry, you get marked down? Great.
Next year, I'll have had my licence 30 years. I've driven on three continents, and done 30k+ years.I've never ONCE had to do that, or anything even remotely similar.
TooMany2cvs said:
mybrainhurts said:
So, if you need to accelerate under full poke to avoid an out of control lorry, you get marked down? Great.
Next year, I'll have had my licence 30 years. I've driven on three continents, and done 30k+ years.I've never ONCE had to do that, or anything even remotely similar.
And I've seen accidents happen that could have been avoided if one driver has hoofed it without hesitation. Look on Youtube, you'll see lots of similar incidents.
It only needs to happen once. You hesitate. You're dead.
Edit for keyboard misbehaviour.
Edited by mybrainhurts on Friday 17th March 22:13
TwigtheWonderkid said:
If I'm on a crusade, it's a crusade about a complete lack of critical thinking. People coming out with all manner of drivel whilst completely ignoring the actual facts.
I read drivel everywhere, like some of the stuff beyond your blinkers. I just ignore it, no point in provoking the blood pressure.TooMany2cvs said:
mybrainhurts said:
Congratulations. What's that got to do with anything?
Simple. It's a massively, massively, massively rare situation.And, if it does ever happen, it's almost certainly one that could have been avoided by being a bit more aware in the first place.
Are you going to tell the dead man it could have been avoided by being a bit more aware?
Oh, no, you don't need to, he accelerated out of trouble.
Did you look on Youtube?
mybrainhurts said:
TooMany2cvs said:
mybrainhurts said:
Did you look on Youtube?
Oh, it's on YouTube. Well, there we go.HTH.
Because damn near every dashcam video I've ever seen has been some utter numpty blindly blithering into a situation which has been wearing neon signs ten foot high. Well, apart from the ones where they're actively manufacturing a situation for some mock outrage, of course.
TooMany2cvs said:
mybrainhurts said:
TooMany2cvs said:
mybrainhurts said:
Did you look on Youtube?
Oh, it's on YouTube. Well, there we go.HTH.
Because damn near every dashcam video I've ever seen has been some utter numpty blindly blithering into a situation which has been wearing neon signs ten foot high. Well, apart from the ones where they're actively manufacturing a situation for some mock outrage, of course.
You seem to have moved your argument from the point but, then, any old argument will do, won't it?
mybrainhurts said:
Look for yourself, there are plenty.
You seem to have moved your argument from the point but, then, any old argument will do, won't it?
Far as I'm aware, the "point" was that black boxes are A Bad Thing (tm), because unless you can flatten the throttle without suffering so much as a single insurance finger-wag, you'll die horribly every time a runaway train comes over the hill, woo woo, woo woo.You seem to have moved your argument from the point but, then, any old argument will do, won't it?
Which, apparently, happens to every driver roughly every ten minutes, because YouTube.
TooMany2cvs said:
mybrainhurts said:
Look for yourself, there are plenty.
You seem to have moved your argument from the point but, then, any old argument will do, won't it?
Far as I'm aware, the "point" was that black boxes are A Bad Thing (tm), because unless you can flatten the throttle without suffering so much as a single insurance finger-wag, you'll die horribly every time a runaway train comes over the hill, woo woo, woo woo.You seem to have moved your argument from the point but, then, any old argument will do, won't it?
Which, apparently, happens to every driver roughly every ten minutes, because YouTube.
TwigtheWonderkid said:
xjay1337 said:
TwigtheWonderkid said:
It would only effect the no claims bonus on the policy you claimed on.
But you still have to declare your accident on any policies.Another is not allowing motorcycle no claims to count as car no claims, but a motorcycle accident will impact your car claims.
If you owned 2 houses and burnt one down by falling asleep in bed whilst smoking, do you not think the insurer of the other house is entitled to know that, and load their premium accordingly??
Funk said:
TwigtheWonderkid said:
xjay1337 said:
TwigtheWonderkid said:
It would only effect the no claims bonus on the policy you claimed on.
But you still have to declare your accident on any policies.Another is not allowing motorcycle no claims to count as car no claims, but a motorcycle accident will impact your car claims.
If you owned 2 houses and burnt one down by falling asleep in bed whilst smoking, do you not think the insurer of the other house is entitled to know that, and load their premium accordingly??
mybrainhurts said:
TwigtheWonderkid said:
mybrainhurts said:
I once saw a lad on the motorway with graphics writ large on his tailgate, saying SORRY, CAN'T GO FAST. BLACK BOX ON BOARD. I did laugh at the time but, thinking about it, it must be hard and he's probably not concentrating on what he ought to be.
The premiums for young drivers who agree to a black box are several hundred pounds, often over £1000 pounds, cheaper than an alternative policy without. Do you think that's because they are not concentrating on the right things and having accidents? I would guess it's because they are having fewer accidents, and the ones they are having are happening at a lower speed so incurring far less serious consequences. Gassing Station | General Gassing | Top of Page | What's New | My Stuff