Insurance cancelled after 1 week
Discussion
desolate said:
They do but I am not aware of a database for cancelled policies
It's been over 10 years since I worked at an insurer but I'm certain there wasn't then. The only way it would even flag if a previous customer had had a policy cancelled when requesting a new quote was if they used the same name, address and dob. Now I'd guess you'd possibly fall foul of data protection laws sharing cancellation information with other companies.
gazza285 said:
We have black boxes fitted to all our works vehicles, and the drivers who score highly get the new motors, and the crap drivers get the hand-me-downs. It’s easy to get a good rating, by not driving like a tool.
This depends on what you mean by "crap drivers" and "driving like a tool".We had that policy. Recently it's been drastically tightened up.
At first you really had to chase the company cars and vans on before you were noticed by the fleet manager.
I have been recently been spoken to because I used a sat-nav rather than my car Speedo to get a few extra MPH on set my cruise control on trip from Hull to Central Scotland. I arsed it on the M74 around Lockerbie and did 18 miles at 71.67mph. I also accelerate hard once a day at a specific (very busy) roundabout and have revved a Seat Leon 1.2TSI to the heady heights of 3650RPM "if the roundabout is busy I should wait longer for a sufficient gap to enter more gently".
Other "persistent" speeders are being told if their points score doesn't drop they will face disciplinary action if they don't slow down. The demons of the speed are travelling 20 and 30 meters into 30 limits 1.5-2.5mph over the limit and accelerating out of the limits slightly before they've passed the NSL signs.
As for cornerning? No-one has spilt their coffee or had their tool boxes fly off their passenger seat mid bend yet we are all being pulled up for hard cornering.
The matter was raised in a meeting recently. Senior management stressed that we really have to address our driving styles. When the staff in unison complained at just how much they had slowed down and how carefully they were driving the reply was "Well you'll just have to slow down even more. Imagine you are sitting your driving test."
I had an interesting conversation with a director when I gave him a lift to the dealers in order to pick up his car from a servicr. Driving him like Miss Daisy I asked if he was happy with my driving style. He replied it wasn't for him to judge but the report from the tracker.
I suspect this is all driven by a discounted fleet insurance policy.
Something that worries me is as they become more common those who wish to do without black boxes will be looked upon as "What are they out to hide?/must be speeders"
Once that happens the cost of ummonitored driving will skyrocket.
Tannedbaldhead said:
This depends on what you mean by "crap drivers" and "driving like a tool".
We had that policy. Recently it's been drastically tightened up.
At first you really had to chase the company cars and vans on before you were noticed by the fleet manager.
I have been recently been spoken to because I used a sat-nav rather than my car Speedo to get a few extra MPH on set my cruise control on trip from Hull to Central Scotland. I arsed it on the M74 around Lockerbie and did 18 miles at 71.67mph. I also accelerate hard once a day at a specific (very busy) roundabout and have revved a Seat Leon 1.2TSI to the heady heights of 3650RPM "if the roundabout is busy I should wait longer for a sufficient gap to enter more gently".
Other "persistent" speeders are being told if their points score doesn't drop they will face disciplinary action if they don't slow down. The demons of the speed are travelling 20 and 30 meters into 30 limits 1.5-2.5mph over the limit and accelerating out of the limits slightly before they've passed the NSL signs.
As for cornerning? No-one has spilt their coffee or had their tool boxes fly off their passenger seat mid bend yet we are all being pulled up for hard cornering.
The matter was raised in a meeting recently. Senior management stressed that we really have to address our driving styles. When the staff in unison complained at just how much they had slowed down and how carefully they were driving the reply was "Well you'll just have to slow down even more. Imagine you are sitting your driving test."
I had an interesting conversation with a director when I gave him a lift to the dealers in order to pick up his car from a servicr. Driving him like Miss Daisy I asked if he was happy with my driving style. He replied it wasn't for him to judge but the report from the tracker.
I suspect this is all driven by a discounted fleet insurance policy.
Something that worries me is as they become more common those who wish to do without black boxes will be looked upon as "What are they out to hide?/must be speeders"
Once that happens the cost of ummonitored driving will skyrocket.
You’re confusing a commercial policy with a personal one. Black boxes have been around since the 90s and they are no more prevalent now for the vast majority than they were then. They’ve found a niche in young and inexperienced drivers and that’s it. The cost of fitting them would be more than a couple of years premiums for most of us. We had that policy. Recently it's been drastically tightened up.
At first you really had to chase the company cars and vans on before you were noticed by the fleet manager.
I have been recently been spoken to because I used a sat-nav rather than my car Speedo to get a few extra MPH on set my cruise control on trip from Hull to Central Scotland. I arsed it on the M74 around Lockerbie and did 18 miles at 71.67mph. I also accelerate hard once a day at a specific (very busy) roundabout and have revved a Seat Leon 1.2TSI to the heady heights of 3650RPM "if the roundabout is busy I should wait longer for a sufficient gap to enter more gently".
Other "persistent" speeders are being told if their points score doesn't drop they will face disciplinary action if they don't slow down. The demons of the speed are travelling 20 and 30 meters into 30 limits 1.5-2.5mph over the limit and accelerating out of the limits slightly before they've passed the NSL signs.
As for cornerning? No-one has spilt their coffee or had their tool boxes fly off their passenger seat mid bend yet we are all being pulled up for hard cornering.
The matter was raised in a meeting recently. Senior management stressed that we really have to address our driving styles. When the staff in unison complained at just how much they had slowed down and how carefully they were driving the reply was "Well you'll just have to slow down even more. Imagine you are sitting your driving test."
I had an interesting conversation with a director when I gave him a lift to the dealers in order to pick up his car from a servicr. Driving him like Miss Daisy I asked if he was happy with my driving style. He replied it wasn't for him to judge but the report from the tracker.
I suspect this is all driven by a discounted fleet insurance policy.
Something that worries me is as they become more common those who wish to do without black boxes will be looked upon as "What are they out to hide?/must be speeders"
Once that happens the cost of ummonitored driving will skyrocket.
It’s not the thin end of the wedge and it’s not an issue.
Tannedbaldhead said:
gazza285 said:
We have black boxes fitted to all our works vehicles, and the drivers who score highly get the new motors, and the crap drivers get the hand-me-downs. It’s easy to get a good rating, by not driving like a tool.
This depends on what you mean by "crap drivers" and "driving like a tool".We had that policy. Recently it's been drastically tightened up.
At first you really had to chase the company cars and vans on before you were noticed by the fleet manager.
I have been recently been spoken to because I used a sat-nav rather than my car Speedo to get a few extra MPH on set my cruise control on trip from Hull to Central Scotland. I arsed it on the M74 around Lockerbie and did 18 miles at 71.67mph. I also accelerate hard once a day at a specific (very busy) roundabout and have revved a Seat Leon 1.2TSI to the heady heights of 3650RPM "if the roundabout is busy I should wait longer for a sufficient gap to enter more gently".
Other "persistent" speeders are being told if their points score doesn't drop they will face disciplinary action if they don't slow down. The demons of the speed are travelling 20 and 30 meters into 30 limits 1.5-2.5mph over the limit and accelerating out of the limits slightly before they've passed the NSL signs.
As for cornerning? No-one has spilt their coffee or had their tool boxes fly off their passenger seat mid bend yet we are all being pulled up for hard cornering.
The matter was raised in a meeting recently. Senior management stressed that we really have to address our driving styles. When the staff in unison complained at just how much they had slowed down and how carefully they were driving the reply was "Well you'll just have to slow down even more. Imagine you are sitting your driving test."
I had an interesting conversation with a director when I gave him a lift to the dealers in order to pick up his car from a servicr. Driving him like Miss Daisy I asked if he was happy with my driving style. He replied it wasn't for him to judge but the report from the tracker.
I suspect this is all driven by a discounted fleet insurance policy.
Something that worries me is as they become more common those who wish to do without black boxes will be looked upon as "What are they out to hide?/must be speeders"
Once that happens the cost of ummonitored driving will skyrocket.
hairyben said:
Tannedbaldhead said:
gazza285 said:
We have black boxes fitted to all our works vehicles, and the drivers who score highly get the new motors, and the crap drivers get the hand-me-downs. It’s easy to get a good rating, by not driving like a tool.
This depends on what you mean by "crap drivers" and "driving like a tool".We had that policy. Recently it's been drastically tightened up.
At first you really had to chase the company cars and vans on before you were noticed by the fleet manager.
I have been recently been spoken to because I used a sat-nav rather than my car Speedo to get a few extra MPH on set my cruise control on trip from Hull to Central Scotland. I arsed it on the M74 around Lockerbie and did 18 miles at 71.67mph. I also accelerate hard once a day at a specific (very busy) roundabout and have revved a Seat Leon 1.2TSI to the heady heights of 3650RPM "if the roundabout is busy I should wait longer for a sufficient gap to enter more gently".
Other "persistent" speeders are being told if their points score doesn't drop they will face disciplinary action if they don't slow down. The demons of the speed are travelling 20 and 30 meters into 30 limits 1.5-2.5mph over the limit and accelerating out of the limits slightly before they've passed the NSL signs.
As for cornerning? No-one has spilt their coffee or had their tool boxes fly off their passenger seat mid bend yet we are all being pulled up for hard cornering.
The matter was raised in a meeting recently. Senior management stressed that we really have to address our driving styles. When the staff in unison complained at just how much they had slowed down and how carefully they were driving the reply was "Well you'll just have to slow down even more. Imagine you are sitting your driving test."
I had an interesting conversation with a director when I gave him a lift to the dealers in order to pick up his car from a servicr. Driving him like Miss Daisy I asked if he was happy with my driving style. He replied it wasn't for him to judge but the report from the tracker.
I suspect this is all driven by a discounted fleet insurance policy.
Something that worries me is as they become more common those who wish to do without black boxes will be looked upon as "What are they out to hide?/must be speeders"
Once that happens the cost of ummonitored driving will skyrocket.
All was fine till March of this year. The fleet was replaced with new vehicles and not long after this s
t kicked in. The company has ran trackers for years with no major issues. From March there's been a gradual but relentless tightening up. Drivers assumed it was a passing phase and things would relax over time. It hasn't.Gavia said:
You’re confusing a commercial policy with a personal one. Black boxes have been around since the 90s and they are no more prevalent now for the vast majority than they were then. They’ve found a niche in young and inexperienced drivers and that’s it. The cost of fitting them would be more than a couple of years premiums for most of us.
It’s not the thin end of the wedge and it’s not an issue.
100% right. Norwich Union (Aviva these days) launched them in 1995/6 and the tinfoil hat brigade were saying back then "this is the beginning of the end, in a couple of years we'll have no choice." Here was are 23 years later and in the private motor market, they are being used for now exactly what they were being used for then, young drivers. It’s not the thin end of the wedge and it’s not an issue.
The fleet market is another animal. High insurance costs, discounted rates for monitoring many vehicles with one system, monitored by the client and not the insurer, it makes good financial sense, especially if you don't have a great claims history. The fuel savings alone can pay for it and then some.
Tannedbaldhead said:
I'm a surveyor for a facilities management company. Site surveyors, technicians in cars and trades in the vans are all suffering.
All was fine till March of this year. The fleet was replaced with new vehicles and not long after this st kicked in. The company has ran trackers for years with no major issues. From March there's been a gradual but relentless tightening up. Drivers assumed it was a passing phase and things would relax over time. It hasn't.
Everyone should go to a trackday. In the company cars.All was fine till March of this year. The fleet was replaced with new vehicles and not long after this s
t kicked in. The company has ran trackers for years with no major issues. From March there's been a gradual but relentless tightening up. Drivers assumed it was a passing phase and things would relax over time. It hasn't.On the same day.
That's half the reason I'd never have a tracked company car in such a manner.
FiF said:
TwigtheWonderkid said:
FiF said:
I got that part, was wondering whether we ever found the detail on the poor black box feedback.
Like the success of Kay Burley, some things are destined to forever remain a mystery. 
My sister put a giant yellow sticker with a "this car has a tracker" slogan, as the number of cars and vans beeping her driving at 30 in a 30 was getting silly.
Before she would have driven at 34.9, along with everyone else, but was getting too many sms from head office about speeding
Before she would have driven at 34.9, along with everyone else, but was getting too many sms from head office about speeding
Tannedbaldhead said:
I'm a surveyor for a facilities management company. Site surveyors, technicians in cars and trades in the vans are all suffering.
All was fine till March of this year. The fleet was replaced with new vehicles and not long after this st kicked in. The company has ran trackers for years with no major issues. From March there's been a gradual but relentless tightening up. Drivers assumed it was a passing phase and things would relax over time. It hasn't.
sounds extremely petty, bordering on harassment, and frankly it must make you a worse driver - we talk flippantly of "having to stare at the speedo" but in reality we know we're good for +10% or so. All was fine till March of this year. The fleet was replaced with new vehicles and not long after this s
t kicked in. The company has ran trackers for years with no major issues. From March there's been a gradual but relentless tightening up. Drivers assumed it was a passing phase and things would relax over time. It hasn't.Sounds like a form of torture to be the subject of such minute study, it'd make you paranoid and probably the subject of anger and abuse from other road users as you mince around terrified of some idiot requiring you to take evasive action.
Give you some intersting dilemmas though as you decide how much less hard braking you can afford to get away with when that idiot cyclist carves you up/iphone staring pedestrian meanders into the road!
xjay1337 said:
Tannedbaldhead said:
I'm a surveyor for a facilities management company. Site surveyors, technicians in cars and trades in the vans are all suffering.
All was fine till March of this year. The fleet was replaced with new vehicles and not long after this st kicked in. The company has ran trackers for years with no major issues. From March there's been a gradual but relentless tightening up. Drivers assumed it was a passing phase and things would relax over time. It hasn't.
Everyone should go to a trackday. In the company cars.All was fine till March of this year. The fleet was replaced with new vehicles and not long after this s
t kicked in. The company has ran trackers for years with no major issues. From March there's been a gradual but relentless tightening up. Drivers assumed it was a passing phase and things would relax over time. It hasn't.On the same day.
That's half the reason I'd never have a tracked company car in such a manner.
If the job was ideal for you, the pay and benefits were great, and it was just what you wanted, you'd turn it down because your company car was tracked??
My company car isn't tracked, but I consider myself damn fortunate to have a company car, and if they wanted to fit a tracker, so be it. It's their car!
Tannedbaldhead said:
I'm a surveyor for a facilities management company. Site surveyors, technicians in cars and trades in the vans are all suffering.
All was fine till March of this year. The fleet was replaced with new vehicles and not long after this st kicked in. The company has ran trackers for years with no major issues. From March there's been a gradual but relentless tightening up. Drivers assumed it was a passing phase and things would relax over time. It hasn't.
We used to get grief for higher than average fuel consumption and tyre wear, which I suppose both give an overall picture of how the vehicle is driven. All was fine till March of this year. The fleet was replaced with new vehicles and not long after this s
t kicked in. The company has ran trackers for years with no major issues. From March there's been a gradual but relentless tightening up. Drivers assumed it was a passing phase and things would relax over time. It hasn't.Our cars were bought and kept until 60K miles (usually about 2yrs). One guy who'd worked there years was famous for being able to go from start to finish on the same set of tyres. I got pulled up when one set of fronts lasted 7K miles.
We had mandatory defensive driving courses with ex-Police drivers. Many of the guys didn't like it as it's a more positive way of driving than they were used to. Suited me fine!
hairyben said:
sounds extremely petty, bordering on harassment, and frankly it must make you a worse driver - we talk flippantly of "having to stare at the speedo" but in reality we know we're good for +10% or so.
Sounds like a form of torture to be the subject of such minute study, it'd make you paranoid and probably the subject of anger and abuse from other road users as you mince around terrified of some idiot requiring you to take evasive action.
The proof of the pudding is in the eating. If the claims experience improves, insurance costs drop, full consumption improves, tyre wear improves, and the savings outweigh the costs, then it's a result. Sounds like a form of torture to be the subject of such minute study, it'd make you paranoid and probably the subject of anger and abuse from other road users as you mince around terrified of some idiot requiring you to take evasive action.
If you're running a fleet of hundreds or thousands, it only takes a few % improvement across those fields to make a massive difference in fleet operating costs.
Depends on the whole picture though, if there's now an hour per week per driver of lost productivity due to spending extra time stuck in a car then the whole company becomes inefficient and runs the risk of under-performing compared to competitors.
In the OP's case I think it would be worthwhile to submit a GDPR request for the information gathered by the insurance company to find out what caused them to cancel the policy there and then.
In the OP's case I think it would be worthwhile to submit a GDPR request for the information gathered by the insurance company to find out what caused them to cancel the policy there and then.
TwigtheWonderkid said:
untakenname said:
In the OP's case I think it would be worthwhile to submit a GDPR request for the information gathered by the insurance company to find out what caused them to cancel the policy there and then.
They didn't cancel the policy. Oh and “GDPR request”. Brilliant another one who doesn’t have a clue what GDPR is / isn’t.
Gavia said:
Even so the Flix policy is totally transparent based on the links o provided earlier in the thread and has all the information readily available.
Oh and “GDPR request”. Brilliant another one who doesn’t have a clue what GDPR is / isn’t.
I suspect Freedom of Information would be the phrase he was looking for. GDPR is the last thing you'd want in these circumstances. Oh and “GDPR request”. Brilliant another one who doesn’t have a clue what GDPR is / isn’t.
untakenname said:
Depends on the whole picture though, if there's now an hour per week per driver of lost productivity due to spending extra time stuck in a car then the whole company becomes inefficient and runs the risk of under-performing compared to competitors.
If by lost productivity and inefficiency you mean taking longer to do the job because you are now driving within the law, then it's a good job you're not a fleet manager. Companies would no doubt be more efficient if they didn't have to waste time on fire drills, first aid training, PAT checks, driving licence checks etc. Where do you stand on those?
Limiting lorry drivers just caused elephant racing, the same thing is happening now to those in company cars all stuck to the same limit glued to the bumper of the car behind as they are now unable to make progress.
Blackboxes are retrograde step for safety as people won't even want to take evasive action to prevent an avoidable accident just incase it invalidates their insurance.
https://ico.org.uk/for-organisations/guide-to-the-...
Blackboxes are retrograde step for safety as people won't even want to take evasive action to prevent an avoidable accident just incase it invalidates their insurance.
TwigtheWonderkid said:
I suspect Freedom of Information would be the phrase he was looking for. GDPR is the last thing you'd want in these circumstances.
I deal with GDPR requests in my line of work (it's causing headaches), an individual has the right to access under the GDPR, its different to a FOI request and far more indepth with less get out clauses.https://ico.org.uk/for-organisations/guide-to-the-...
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