Insurance cancelled after 1 week
Discussion
SonicShadow said:
The main reason is privacy. I do not own any vehicles that are 'clever' enough to collect telematics, my MR2's ECU doesn't even log data other than very basic error codes.
I can understand that.As a point of principal you wouldn't buy a car with that functionality then?
sinbaddio said:
My eldest is 19, he's got a black box and has had since day one - it gives me peace of mind to be honest.
When he was 17, the first mate that passed decided he'd drive three of them for a weekend camping in Wales. Four lads plus luggage in a 1.0l Fiesta going through Snowdonia. He got the same - automated cancellation of policy. He rang his Dad for advice, Dad told him to ring the insurers (can't remember which insurer it was). The cancellation was sent without human intervention, as he'd been driving at high revs in a low gear for long periods of time. Once a human had reviewed the telematic reports it was obvious why, cancellation withdrawn.
It's worth looking at the reports with your daughter, understanding what was happening when and why, and having a conversation with Adrain Flux. I'm sure they can speak to you with her permission.
Good luck!
Never had a need to look at black box policies, but my daughter has started to express and interest in learning to drive, so could be something that appears on the horizon in the not too distant future.When he was 17, the first mate that passed decided he'd drive three of them for a weekend camping in Wales. Four lads plus luggage in a 1.0l Fiesta going through Snowdonia. He got the same - automated cancellation of policy. He rang his Dad for advice, Dad told him to ring the insurers (can't remember which insurer it was). The cancellation was sent without human intervention, as he'd been driving at high revs in a low gear for long periods of time. Once a human had reviewed the telematic reports it was obvious why, cancellation withdrawn.
It's worth looking at the reports with your daughter, understanding what was happening when and why, and having a conversation with Adrain Flux. I'm sure they can speak to you with her permission.
Good luck!
I don't quite understand why an insurance co. would be interested in a driver driving at high revs for a long period of time, rather than speed, or do they just make the same assumption as most people that noise/high engine speed = speed. If them driver want to do that, all it is going to do is knacker their engine, which would not have anything to do with the insurer. If it was high revs, long time, and high speed, then yes, I could understand it.
Perhaps someone should teach insurers what gears do, in my car I could do well into 3 figure speeds without going above 3k revs.
desolate said:
SonicShadow said:
The main reason is privacy. I do not own any vehicles that are 'clever' enough to collect telematics, my MR2's ECU doesn't even log data other than very basic error codes.
I can understand that.As a point of principal you wouldn't buy a car with that functionality then?
SonicShadow said:
desolate said:
SonicShadow said:
The main reason is privacy. I do not own any vehicles that are 'clever' enough to collect telematics, my MR2's ECU doesn't even log data other than very basic error codes.
I can understand that.As a point of principal you wouldn't buy a car with that functionality then?
Not a good position to be in, glad the immediate fire has been controlled.
If she is mobile by the 28th and can get to Bicester it may be worth looking at the HPC young drivers day, should hopefully help a lot with her awareness and observation, for £34 it's not bad value either:
https://www.pistonheads.com/gassing/topic.asp?h=0&...
Likewise suitable for anybody else <25 wanting to learn a few things/improve their driving
If she is mobile by the 28th and can get to Bicester it may be worth looking at the HPC young drivers day, should hopefully help a lot with her awareness and observation, for £34 it's not bad value either:
https://www.pistonheads.com/gassing/topic.asp?h=0&...
Likewise suitable for anybody else <25 wanting to learn a few things/improve their driving
TwigtheWonderkid said:
catso said:
Another good reason to never accept black box insurance.
No it's not.catso said:
I always find it amusing when I (old fart) do a comparison for car insurance and at the bottom of the list are the black box policies with premiums of £1 - £2k, when the cheapest non black box policy is under £300... 
If you find that amusing, you're very easily pleased. You aren't their target market. What's funny about that.
What's funny is why they bother quoting when they're obviously so far out of the ball park/target customer in terms of both driver and vehicle? Surely they could save themselves from looking silly and not quote on something that they so plainly stand no chance in getting the business on.
Also I have 3 kids that drive, one of which for just a year and none have them ever considered or needed black box insurance. I did the quotes with them and never saw them to be much, if any, cheaper than a 'normal' policy, plus a year's claim free motoring saw a significant drop in policy next time round.
So I'm not sure why anyone would chose such an intrusive insurance for what, seems in my experience to be little or no saving? but then I don't 'get' reality TV either...
catso said:
So I'm not sure why anyone would chose such an intrusive insurance for what, seems in my experience to be little or no saving? but then I don't 'get' reality TV either...
How about if you have a vested interest in your son or daughter not driving like a maniac and potentially killing or injuring themselves or others?If I were a parent I'd probably be pretty keen on a black box policy for my child. They can drive fast(er) once they've built up the experience, temperment and maturity to do so. The fact it would likely be cheaper would be a bonus.
SonicShadow said:
bad company said:
Yes but your phone is tracking you.
No s
t. The difference is some level of tracking is required for a cell phone to function. It is not required for a car.It was due to commence in April. Not sure if it did.
desolate said:
SonicShadow said:
What is the extent of it? I wouldn't want anything that's 'reporting home' or tracking me in any capacity.
I know BMWs have that built in, as do other manufacturers.I can't remember the date but all new cars will have it soon.
catso said:
'Tis true I am easily amused.
What's funny is why they bother quoting when they're obviously so far out of the ball park/target customer in terms of both driver and vehicle? Surely they could save themselves from looking silly and not quote on something that they so plainly stand no chance in getting the business on.
Also I have 3 kids that drive, one of which for just a year and none have them ever considered or needed black box insurance. I did the quotes with them and never saw them to be much, if any, cheaper than a 'normal' policy, plus a year's claim free motoring saw a significant drop in policy next time round.
So I'm not sure why anyone would chose such an intrusive insurance for what, seems in my experience to be little or no saving? but then I don't 'get' reality TV either...
And if they did t quote would you be starting a thread, like some have, asking “Have I been refused insurance as they won’t quote.”What's funny is why they bother quoting when they're obviously so far out of the ball park/target customer in terms of both driver and vehicle? Surely they could save themselves from looking silly and not quote on something that they so plainly stand no chance in getting the business on.
Also I have 3 kids that drive, one of which for just a year and none have them ever considered or needed black box insurance. I did the quotes with them and never saw them to be much, if any, cheaper than a 'normal' policy, plus a year's claim free motoring saw a significant drop in policy next time round.
So I'm not sure why anyone would chose such an intrusive insurance for what, seems in my experience to be little or no saving? but then I don't 'get' reality TV either...
Followed by dozens of posters agreeing that you have and that your record is stained forever. Insurers quote often, but know they’re not getting the business it’s just the way their automated systems work.
I get mega high quotes from Zenith, because they only want high risk, high premium drivers. I’m neither, but they still happily quote me a high premium. I look elsewhere for humour though, as insuramce is pretty boring and rarely funny IME.
These black boxes seem like a very bad idea...
- Can think you're doing 70 cross-country on a road that doesn't exist in their 'map' (or worse, aligns you to the old 30mph road nearest your location which the new bypass replaced).
- Someone else with their own insurance driving your car with a black box can result in YOUR policy being cancelled or premiums increasing (even though there is NO exposure to the insurer of the owner of the vehicle). How ridiculous.
- Driving slowly at high revs in a low gear can result in the auto-cancellation of a policy as described above!
TwigtheWonderkid said:
catso said:
So I'm not sure why anyone would chose such an intrusive insurance for what, seems in my experience to be little or no saving? but then I don't 'get' reality TV either...
When I did a quote for my son, the saving was £1200. That's a lot of money in my book. I recall there not being much difference on the black box quotes last year and this year them being more expensive.
This is fully comp insurance on an old car (so not a huge value and hardly worth him claiming for his own damage after excess) not sure how much difference car value makes as I would have thought the biggest risk is the potential third party claims?
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