Black boxes on track days...

[Oliverrun]

Hi all,

I'm fairly new to PH and this is completely hypothetical, but I think it's posted in the right place.

How would going on a track day impact insurance premiums if the car had a black box?
I appreciate that people with telematics perhaps aren't that likely to be popping over to Cadwell Park very often, but just wondered whether the box would be able to tell if the track was private land and so 'ignore' any harsh acceleration / braking etc.

Thanks

PS I know that normal policies exclude track use, it's just whether track action would affect on-road insurance

[gruffalo]

I have wondered this myself and have often thought of the fun it could possibly lead to when talking about the renewal with the call centre worker.

[petrolbloke]

I can't see the black boxes being clever enough to work out that you're on a trackday, I think they'd still send the data back to the insurer. As long as the location is also logged with the high G/high speed events the box will record then in theory it would be possible for a human to work out that the location was on a track and not the public road.

[Tommo Two]

I asked the computer operator / call center work about this when i renewed. the response was "we don't cover cars on track" pretty much irellavant of how I explained it to her.

After re explaining what a track day is, seperate trackday insurance, etc etc. There is no current way to isolate data gathered from the black boxes. and she concluded that a black box probably wasnt for me.

Something else i asked was: if the data gathered showed a high level of G and what could be considered as 'poor driving' can you cancel the policy.

Again after a bit of pressing deep down in the terms and conditions they can.

So putting the 2 bits of above info together, the data gathered on a track day could be deemed 'unacceptable levels of G' indicating 'poor driving', and that could be used as an acceptable reason to cancel the policy, as they can't differentiate between track day and road data

[ethomas]

The bell insurance black box is plugged into the cigarette lighter. It can easily be removed for the duration of a track day.

[AH33]

ethomas said:

The bell insurance black box is plugged into the cigarette lighter. It can easily be removed for the duration of a track day.

Or.... the duration of the policy

[ethomas]

AH33 said:

Or.... the duration of the policy

They need it plugged in for > 95% of the first three months of the policy or they will void it, sadly

[E-bmw]

Or, if you know a bus driver you could always give it to them for their shift.

[AGK]

ethomas said:

They need it plugged in for > 95% of the first three months of the policy or they will void it, sadly

What happens if you only use the car once or twice in that 3 months... lol