Insurance cancelled due to painted wheels !

Insurance cancelled due to painted wheels !

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Discussion

untakenname

4,969 posts

192 months

Tuesday 25th February 2020
quotequote all
It looks like the app pairs to the Bluetooth stereo of the car and uses that to log when you're driving.

Easy workaround to circumvent the app would be to use one of those gps spoofing apps that people use on Pokémon go to level up or change location.


The fact you can be penalised financially for taking evasive action to prevent an accident isn't right imo and so these black boxes shouldn't be allowed.

ReverendCounter

6,087 posts

176 months

Tuesday 25th February 2020
quotequote all
untakenname said:
It looks like the app pairs to the Bluetooth stereo of the car and uses that to log when you're driving.
So the stereo is also satnav device? Thought it would be a case of the app accessing smartphone location data as part of the installation/usage agreement. Pretty creepy being tracked everywhere regardless.

eltawater

3,114 posts

179 months

Tuesday 25th February 2020
quotequote all
ReverendCounter said:
untakenname said:
It looks like the app pairs to the Bluetooth stereo of the car and uses that to log when you're driving.
So the stereo is also satnav device? Thought it would be a case of the app accessing smartphone location data as part of the installation/usage agreement. Pretty creepy being tracked everywhere regardless.
It sounds like the tracking app is triggered to activate whenever the phone makes a bluetooth connection to an audio device as it assumes that the audio device is your car stereo. Pop a pair of bluetooth headphones on during a train journey and it thinks you're speeding along the rails....

TwigtheWonderkid

43,356 posts

150 months

Tuesday 25th February 2020
quotequote all
untakenname said:
The fact you can be penalised financially for taking evasive action to prevent an accident isn't right imo and so these black boxes shouldn't be allowed.
You won't be. You might be penalised taking evasive action 5 times in a week, but if you're having to do that, you probably should be penalised.

fastbikes76

Original Poster:

2,450 posts

122 months

Tuesday 25th February 2020
quotequote all
Most black box companies are nothing like that. All three of our kids had black boxes for 2-3 years each and with varying companies. Not one of them had any issues at all. My daughters at Uni at the moment so I disconnect her battery while her car stands for 2 months at a time. Not once have they emailed her to query it. If she persistently flouts with the speed limits all she gets is a polite email stating she needs to ease off.

It predominantly seems to be a certain orange company that runs totally underhanded tactics on young clueless new drivers

TwigtheWonderkid

43,356 posts

150 months

Tuesday 25th February 2020
quotequote all
fastbikes76 said:
Most black box companies are nothing like that. All three of our kids had black boxes for 2-3 years each and with varying companies. Not one of them had any issues at all. My daughters at Uni at the moment so I disconnect her battery while her car stands for 2 months at a time. Not once have they emailed her to query it. If she persistently flouts with the speed limits all she gets is a polite email stating she needs to ease off.

Don't cloud the issue with facts.

Certain posters have a real issue with black boxes, and even though they aren't in the target market and will never need to have one, they are convinced that no one else should have one either. This is usually because they are conspiracy theory nutcases who are sure this is the thin end of the wedge and it's all a ploy to make sure we all have them by next Thursday. Ignoring the fact that they were introduced by Norwich Union (now Aviva) 25 years ago as a niche product for young drivers, and that's pretty much still where they are at.

For 25 years they've been spinning this yarn. Meanwhile, hundreds of thousands of young drivers have saved big money on their car insurance, and the Earth has not been sucked into the sun.

timberman

1,284 posts

215 months

Tuesday 25th February 2020
quotequote all
TwigtheWonderkid said:
fastbikes76 said:
Most black box companies are nothing like that. All three of our kids had black boxes for 2-3 years each and with varying companies. Not one of them had any issues at all. My daughters at Uni at the moment so I disconnect her battery while her car stands for 2 months at a time. Not once have they emailed her to query it. If she persistently flouts with the speed limits all she gets is a polite email stating she needs to ease off.

Don't cloud the issue with facts.

Certain posters have a real issue with black boxes, and even though they aren't in the target market and will never need to have one, they are convinced that no one else should have one either. This is usually because they are conspiracy theory nutcases who are sure this is the thin end of the wedge and it's all a ploy to make sure we all have them by next Thursday. Ignoring the fact that they were introduced by Norwich Union (now Aviva) 25 years ago as a niche product for young drivers, and that's pretty much still where they are at

For 25 years they've been spinning this yarn. Meanwhile, hundreds of thousands of young drivers have saved big money on their car insurance, and the Earth has not been sucked into the sun.
When our daughter passed her test and got her 1st car we went online to get insurance quotes and found that black box policies were no cheaper and in some instances more expensive than a standard policy,

I really can't see why having one fitted would be any kind of benefit.




Fastpedeller

3,872 posts

146 months

Tuesday 25th February 2020
quotequote all
Our Daughter was on the policy for wife's car (as am I) and we had a black box for 2 years. It caused some merriment when it said my cornering was below average because we'd gone to a multi-storey car park that day and done the round and round in circles route! When it came to year 3 it was cheaper to go without the black box (even comparing with the same company) I'd be happy to have one if it reduced the premium.

fastbikes76

Original Poster:

2,450 posts

122 months

Tuesday 25th February 2020
quotequote all
timberman said:
When our daughter passed her test and got her 1st car we went online to get insurance quotes and found that black box policies were no cheaper and in some instances more expensive than a standard policy,

I really can't see why having one fitted would be any kind of benefit.
In all of our cases it massively reduced their first years premiums with all of them driving 1.4L engines or larger, the most expensive was £1200 fully comp SD&C. Second year with the box dropped them down to late £600’s and again unless they were being utter utter goons... not a peep from the ins co’s ever. Didn’t matter how late they drove, if they cornered or braked harshly or even did the odd 10mph over the limit.

The Only time they got a moderately tough email was when my lad was playing silly buggers one night after another friend bought a 2.0 Megane and boys did the usual penis measuring lark.

I personally as an adult wouldn’t want one , but for new drivers in 4/4 cases for us... they were a no brainer and it was if they weren’t even fitted with one.


silentbrown

8,832 posts

116 months

Wednesday 26th February 2020
quotequote all
Lots of confusion here between regular "Black Box" telematics and the Carrot system.

A regular black box is a self-contained GPS logger with an internal SIM card/GSM modem to upload driving data to your insurer.

Carrot use a Smartphone app that relies of your phone "location services" (and maybe accelerometers?) to determine driving style. It's meant to know when you're in the car by connecting to the car's bluetooth audio. (f your car doesn't have bluetooth, then you get a plugin box which is basically just a bluetooth dongle.) The app is meant to use the presence of the correct bluetooth connection to know when you're in the car.

There are plenty of possible problems with the app approach, (for example, phones may track location based on wifi and GSM services as well as GPS). Also I've no idea how they police drivers who don't take their phone with them (or have two, but only put the app on one...)

TwigtheWonderkid

43,356 posts

150 months

Wednesday 26th February 2020
quotequote all
timberman said:
When our daughter passed her test and got her 1st car we went online to get insurance quotes and found that black box policies were no cheaper and in some instances more expensive than a standard policy,

I really can't see why having one fitted would be any kind of benefit.
It wouldn't be for you, but it has been for thousands of others. I fully understand some people not wanting one, but what I can't understand is their insistence that the choice should be taken away from others.

untakenname

4,969 posts

192 months

Wednesday 26th February 2020
quotequote all
Part of the appeal of driving a car was the freedom it offered, now young drivers have their parents monitoring their every move can't go on dates or drive to new places which is one of the reasons that uptake of driving by younger drivers is steeply declining.

If the device misreads the road speed limit (often happens with GPS when two roads run parallel) and then you run the risk of having your insurance cancelled.

RAC said:
If your black box tells us you’ve driven with excessive speed, a Black Event will be triggered, and your policy may be cancelled by us sending you 7 days notice by letter or email. During this notice period you will need to find an alternative insurance provider. If we have to cancel your policy this could affect your ability to get insurance in the future.