Insurance cancelled after 1 week
Discussion
berlintaxi said:
Pica-Pica said:
Ha! My Sat Nav had me driving through the River Mersey, in fact I was driving over the new Mersey Gateway Bridge.
When was the last time you updated the maps in your satnav? I imagine most telematic companies are not as tardy as the average driver.Haltamer said:
Faz50 said:
What happens if you go on a track day in your car?
Do you tell them first? How do they know it’s on a track if the gps is dodgy?
Or is it in their t+c not to do so?
But then you can get track day insurance and the box would still be active on one policy but not the other.
Interested to know.
I've considered this myself; Do you tell them first? How do they know it’s on a track if the gps is dodgy?
Or is it in their t+c not to do so?
But then you can get track day insurance and the box would still be active on one policy but not the other.
Interested to know.
I don't think this dilemma is a deal breaker for black box insurance.
Everyone seems to be going out of their way to invent stupid scenarios to prove to themselves that black boxes are a bad idea, when the actual facts (reduced accident rate, reduced accident costs, lower insurance costs, thousands of satisfied customers) tell us that for young drivers, they can be a great idea.
They are not compulsory. If you think they're crap, don't consider it if you have teenage kids.
I doubt the cancelling within the cooling off period to avoid the insurer cancellation marker is going to work.
Or rather, she better hope she never has to put in a large claim in the future, because they might do some digging on her, find this cancellation notice and void the policy.
Or rather, she better hope she never has to put in a large claim in the future, because they might do some digging on her, find this cancellation notice and void the policy.
Haltamer said:
I've considered this myself; When I was in Germany I was planning to go for a (really ) quick whip round the ring:- As it is an "unrestricted toll road", I wouldn't be covered, but applying the logic of the big bad box, I'd also not be in an area with an assigned speed limit:- I use the inbuilt GPS Speed limit to give a good guide of the speed limits the insurers will be working with; as I'm quite sure they will be based on the same source.
As such, (not that I go out of my way to) in areas with temporarily lowered speed limits, e.g. Smart motorway gantry signs, you can "dodge enforcement" rather than the box as it will assume a 70 limit.
From the above logic, when on track, the biggest threat is not the speed but the acceleration, braking and cornering - Even more of an impetus to take a good line, on track and on the road!
I can't help but feel, with 100HP / 100NM for 1.5Kg of tepid hatchback, I won't be triggering the "acceleration alarms" unless I roll off a cliff. - The same goes for anything else that is insurable <20 years old.
All that said, the fitter was nice enough to connect the box to the side of the battery, with a + and - Wire; If I was so intent on giving it all of the beans at once, I could leave that in the garage hooked to a charger whilst running on a spare. Not a good situation to be in if you come to greif though, on a public road at least.
maybe, but if (as suggested previously) the box links in to the car data, then revs will be high in a 1.5 tepid hatchback making it look like it's going fast and the furious when it's just trying to speed up going onto a motorwayAs such, (not that I go out of my way to) in areas with temporarily lowered speed limits, e.g. Smart motorway gantry signs, you can "dodge enforcement" rather than the box as it will assume a 70 limit.
From the above logic, when on track, the biggest threat is not the speed but the acceleration, braking and cornering - Even more of an impetus to take a good line, on track and on the road!
I can't help but feel, with 100HP / 100NM for 1.5Kg of tepid hatchback, I won't be triggering the "acceleration alarms" unless I roll off a cliff. - The same goes for anything else that is insurable <20 years old.
All that said, the fitter was nice enough to connect the box to the side of the battery, with a + and - Wire; If I was so intent on giving it all of the beans at once, I could leave that in the garage hooked to a charger whilst running on a spare. Not a good situation to be in if you come to greif though, on a public road at least.
TooMany2cvs said:
Hol said:
My kids don’t have black boxes and the world hasn’t ended.
That's not what it's about.Would their insurance premium be cheaper if they did?
Would having a black box lead to their insurer taking a dim view of their driving style?
His kids could both afford £3000 each for their first car insurance. well done!
Dromedary66 said:
I doubt the cancelling within the cooling off period to avoid the insurer cancellation marker is going to work.
Or rather, she better hope she never has to put in a large claim in the future, because they might do some digging on her, find this cancellation notice and void the policy.
How would they do that?Or rather, she better hope she never has to put in a large claim in the future, because they might do some digging on her, find this cancellation notice and void the policy.
Dromedary66 said:
I doubt the cancelling within the cooling off period to avoid the insurer cancellation marker is going to work.
Or rather, she better hope she never has to put in a large claim in the future, because they might do some digging on her, find this cancellation notice and void the policy.
Providing she manages to cancel the policy before the insurer does (I admit it’s chances are slim), then she won’t have any problems in the future.Or rather, she better hope she never has to put in a large claim in the future, because they might do some digging on her, find this cancellation notice and void the policy.
The question insurers ask is “have you ever had a policy cancelled/voided? Etc.”
Not “have you ever had a cancellation notice before?”
Hammy98 said:
OP - Did you get a refund...?
I know they were planning to cancel but if you cancelled during the cooling off period surely they would have to refund you the premium minus the cost of the week she was covered, any admin fees and the cost of the telematics box?
No, I’m told there was no refund. The cost of the black box plus the broker commission seems to have been sufficiently hefty to preclude that. I know they were planning to cancel but if you cancelled during the cooling off period surely they would have to refund you the premium minus the cost of the week she was covered, any admin fees and the cost of the telematics box?
maclarkk said:
Providing she manages to cancel the policy before the insurer does (I admit it’s chances are slim), then she won’t have any problems in the future.
The question insurers ask is “have you ever had a policy cancelled/voided? Etc.”
Not “have you ever had a cancellation notice before?”
The policy was cancelled by my daughter at 10:00 this morning. I really hope that means she’s dodged the bullet. The question insurers ask is “have you ever had a policy cancelled/voided? Etc.”
Not “have you ever had a cancellation notice before?”
InitialDave said:
The policy must have been active for her to cancel it. So she cancelled it before they did.
This ^^Twig, who posted a couple of times in this thread, is an insurance guy and it was his advice too so I’d assume she’ll be ok regarding not having to declare the cancelled policy.
PorkInsider said:
InitialDave said:
The policy must have been active for her to cancel it. So she cancelled it before they did.
This ^^Twig, who posted a couple of times in this thread, is an insurance guy and it was his advice too so I’d assume she’ll be ok regarding not having to declare the cancelled policy.
If I plan to murder someone, and they top themselves before I get round to it, then I'm not a murderer. If I'm asked if I ever murdered anyone, I can say NO.
maclarkk said:
What sort of cars were you trying to insure gents? AF usually best for unique/customised motors.
I guess every company can be reviewed well by one and badly by the other.
It wasn't that was the issue, partway into the policy I wanted to add this missus to my car who had a clean licence etc and they tried to charge me over double the original policy. I shopped around and no one else wanted more than a couple of 150-220 (that was for 12 months) to add her. The policy was around £400 and they wanted £870 to add her 5 months in that was after complaining as they quoted me £1160 but I am told that was an error or them trying it on. I guess every company can be reviewed well by one and badly by the other.
Turned out some of it was their ridiculous fees on top of what the insurer wanted. Ever since I won't go through a robbing Brooker.
Of course tried to cancel the policy and then AF wanted pretty much wanted all the £400 even though I had 7 months left in the year.
Edited by surveyor_101 on Friday 20th July 09:26
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