Insurance cancelled after 1 week

[Gavia]

Cancelled in a week? As has been said already there’s a lot more to this story. I doubt there’s an insurer out there who has T&Cs thorough enough to manage that. How they’d even manage to analyse the data, send the required regulatory letter(s) and enforce a cancellation inside the cooling off period in such a tight timeframe is way too efficient for any insurer.

[maclarkk]

OP,

From another PistonHeads post:

meganlyon said:

Hi,
I've had an email from my insurer starting that they are going to cancel my car insurance on the 4th May because I've been speeding and my black box has picked it up.
(I know i shouldn't have been speeding and i'm not after any sympathy just advice if anyone has been through this as well)
I can't afford to pay the premiums for after they cancel my policy so need to find a way to get them to retract the cancellation before the 4th.
I've asked for proof of when and where i was speeding as their policy says:
"Excessive Speed
Each month we publish a summary of your driving performance on Your Portal. If you persistently receive a RED score for speeding during the period of policy cover and we have given you due warning, we reserve the right to cancel your policy, providing we follow the procedure defined in Section 12.6.
If you or any driver exceeds the speed limit by travelling at: a) 60mph or more in a 30mph or lower speed limit; or
b) 70mph or more in a 40mph speed limit; or
c) 80mph or more in a 50mph speed limit; or
d) 90mph or more in a 60mph speed limit; or e) 100mph or more in a 70mph speed limit"

and i'm positive i've never gone over the speed limit to that amount, only maybe 10mph over the limit at a time

if anyone has any suggestions i'd really appreciate them

Appreciate this may be a different insurer, but are you able to review your daughter’s policy documentation to see if they haven’t given your daughter a fair assessment over a long enough period? They seem to use a “month” as a minimum timeframe, not a week!

[blearyeyedboy]

I suspect the other posters are correct, OP, but it might be worth clarifying exactly where and when she's been found to be driving in a "poor" way.

The quote marks around "poor" are intentional: There have been cases where the black box is faulty.

It's a long shot, but in case your daughter really is innocent, it's worth checking out and asking on what grounds an appeal might be made.

[HarveyM]

It just cites “driving behaviour”. The brokers won’t speak to anyone else about this, for obvious data protection reasons.

[maclarkk]

HarveyM said:

It just cites “driving behaviour”. The brokers won’t speak to anyone else about this, for obvious data protection reasons.

Very unlike Adrian Flux to be difficult. Get a copy of the policy documentation ASAP.

[Gavia]

This looks to be quite relevant amd shows there is more to the story



Full FAQs here

https://customers.adrianflux.co.uk/faqs/

[RyanOPlasty]

Are you sure she was driving? perhaps it was someone else using their DOC cover. How does the black box tell the difference?

[maclarkk]

RyanOPlasty said:

Are you sure she was driving? perhaps it was someone else using their DOC cover. How does the black box tell the difference?

Would love to know the answer to this.

[Gavia]

maclarkk said:

RyanOPlasty said:

Are you sure she was driving? perhaps it was someone else using their DOC cover. How does the black box tell the difference?

Would love to know the answer to this.

The answer is that it’s no wonder we have a generation of self entitled little prince and princesses (not aimed at you OP) when even the parents are encouraging lying and blaming others and not taking responsibility for your own actions.

[blearyeyedboy]

From AF's website:

AdrianFluxFAQ's said:

What happens if somebody else drives my car?

The Smartbox will track driving behaviour for the duration of the policy term regardless of who is driving the vehicle. If anyone else is going to drive your vehicle we recommend telling them that your vehicle has a telematics device that will track and record their driving behaviour, which could affect your renewal premium.

So "Someone else was driving" is no defence.

[maclarkk]

Gavia said:

The answer is that it’s no wonder we have a generation of self entitled little prince and princesses (not aimed at you OP) when even the parents are encouraging lying and blaming others and not taking responsibility for your own actions.

Thanks for that! You’re quite right though, the world is becoming a weird place.

However, I was more interested in the answer on the basis if it were to genuinely happen (someone drives a black box’d car with policy holder permission, but like a knob), what would happen.

This question has just been answered by another poster.

[maclarkk]

blearyeyedboy said:

From AF's website:

AdrianFluxFAQ's said:

What happens if somebody else drives my car?

The Smartbox will track driving behaviour for the duration of the policy term regardless of who is driving the vehicle. If anyone else is going to drive your vehicle we recommend telling them that your vehicle has a telematics device that will track and record their driving behaviour, which could affect your renewal premium.

So "Someone else was driving" is no defence.

Nice find. Interesting though.

Does seem a little unfair for you to let someone else drive your car, under their own insurance, and have your insurance cancelled because of their inept driving.

Thems the rules I guess.

[matjk]

Car get stolen , theifs drive it like nutters, Insurance company cancels policy due to driving , refuse to pay out as policy is cancelled

There was a program on watchdog about this , people where getting disqualified for driving at 70 in a 30 but the boxes where mixing up the location , thinking cars where on small housing estate roads but where actual 50 meters away on dual carriage ways ! They took a rally driver to where one alleged offence took place , he reckoned he could hit 55 max flat out on the road and the 17 year old had averaged 67 it’s entire length! Insurance company’s not interested even though obvious data was wrong

[anonymous-user]

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.

[steve_k]

Could it be possible that the black box fitted was previously used then removed from another drivers car who had had their policy cancelled and the previous data had not been wiped?

[21TonyK]

OP, I looked at several review sites and read up on the T&Cs for my sons policy (different broker to your daughter). They do say that in extreme circumstances they will cancel the policy with pretty much no warning, an example was doing 45+ in a 30 more than once in 24 hours or what was classed as high risk driving at night.

Advise elsewhere would suggest if your daughter cancels the policy herself NOW then she won't have the marker against her. She will of course lose pretty much anything she's paid so far which might go some way to making her think about her driving.

[Alucidnation]

Some black boxes stay with the car, even if cancelled.

We have one still on an old car our kids learnt to drive in.

Anyway, i thought most of the BB insurers gave access to a tracker that could be monitored by anyone with the log in details.

Ours did.

[PorkInsider]

HarveyM said:

It just cites “driving behaviour”. The brokers won’t speak to anyone else about this, for obvious data protection reasons.

The bottom of that screenshot seems to have a bit about where you can go to review the driving history, doesn’t it?

I’d be doing that with her, sharpish.

Also, as others have said, get in there first with the cancellation before they do.

[The Mad Monk]

HarveyM said:

Any constructive suggestions on how we can overcome this? I would like her to keep on the road (safely) and keep learning and improving her skills. Please - no righteous comments.

I get the feeling that either/neither you or we are getting the full story.

Perhaps the safest thing would be for her to stay off the road for a while.

You could tell her to join an internet forum like PistonHeads so that she could post her problems first hand. That would be a useful lesson in life.

[Jordy12397]

When I took my first ever policy out it was with a black box ( telematics ) I got upto a week for them to fit it to my car, even if she got it fitted a phew days after opening the policy how have they gathered all the information that quick for them to decide to cancel her straight away?