Safe driving scheme insurance I stupidly signed up to!
Discussion
As it took off £500 from my insurance I went with a safe driving scheme with bell, there are no additional charges for the year until renewal next year, but when I go to renew will the data collected be shared with insurers or will I be able to go with someone else at a normal renewal price if they give me a stupid one?
I don't see why the data would be shared with any other insurers.
You should just be able to collect your years no claims certificate (providing you don't claim of course), and take it to any other insurer on a new policy.
ETA:
From the FAQ's
"Q. Do you share the data with any third parties?
A. We only share the data with those companies required to provide the services under the policy, such as the unit provider. Data isn’t sold to or shared with anyone else."
You should just be able to collect your years no claims certificate (providing you don't claim of course), and take it to any other insurer on a new policy.
ETA:
From the FAQ's
"Q. Do you share the data with any third parties?
A. We only share the data with those companies required to provide the services under the policy, such as the unit provider. Data isn’t sold to or shared with anyone else."
thatcheeseman said:
As it took off £500 from my insurance I went with a safe driving scheme with bell, there are no additional charges for the year until renewal next year, but when I go to renew will the data collected be shared with insurers or will I be able to go with someone else at a normal renewal price if they give me a stupid one?
Read your policy documents - there will be a clause setting out what they can do with the data.It seems unlikely to me that they would share it, to be honest. Other insurers will most likely want to know how many years NCB/how many claims/accidents in the usual way and quote on that basis.
OK I've checked this out. Gratis. It's all there in your policy documents though.
For starters
On speeding generally, yes they will bullyram you.
For starters
Bellend insurance said:
IMPORTANT – Dangerous speeding
As this is a Safe Driver policy, dangerous speeds are treated seriously. As a result, if the Telematic Unit detects that your vehicle has been driven at 100mph or over on a public road, your policy will be cancelled.
As this is a Safe Driver policy, dangerous speeds are treated seriously. As a result, if the Telematic Unit detects that your vehicle has been driven at 100mph or over on a public road, your policy will be cancelled.
On speeding generally, yes they will bullyram you.
Bellend insurance said:
We appreciate that it’s difficult to always drive within the speed limit, and occasionally exceeding limits by small amounts will not affect your policy. However, persistent or excessive speeding will impact your driving score, and that could lead to your insurance premium rising at renewal or the six month review points (if you have agreed to the review).
And to answer the question they won't hand it to other insurers.Bellend insurance said:
Bell, Admiral MultiCar, Octo, and those acting for both companies, will use the data captured by the Telematic Unit for the purposes of:
1. Calculating and charging insurance premiums based upon actual vehicle usage
2. Controlling your personal data for the purpose of providing you with services relating to the insurance policy. We will process your information in accordance with our responsibilities under the Data Protection Act 1998 and European Data Protection Directive.
3. Carrying out the installation, deinstallation, servicing or testing of the Telematic Unit;
4. General research and analysis, mapping purposes, researching and refining techniques for analysing motor Telematics data and the supply of traffic information. In all such circumstances the information will be used anonymously and will not identify any individual, vehicle user, or the policyholder
5. Enabling Bell, Octo and any service partners, to contact you by post, electronic mail, telephone or text messaging regarding the administration of your insurance policy and the associated services.
6. Provision of the insurance services under the policy, including management of claims, underwriting and policy servicing. Data will be used for any underwriting or claims development or investigations that may be required, and for fraud prevention and detection purposes.
1. Calculating and charging insurance premiums based upon actual vehicle usage
2. Controlling your personal data for the purpose of providing you with services relating to the insurance policy. We will process your information in accordance with our responsibilities under the Data Protection Act 1998 and European Data Protection Directive.
3. Carrying out the installation, deinstallation, servicing or testing of the Telematic Unit;
4. General research and analysis, mapping purposes, researching and refining techniques for analysing motor Telematics data and the supply of traffic information. In all such circumstances the information will be used anonymously and will not identify any individual, vehicle user, or the policyholder
5. Enabling Bell, Octo and any service partners, to contact you by post, electronic mail, telephone or text messaging regarding the administration of your insurance policy and the associated services.
6. Provision of the insurance services under the policy, including management of claims, underwriting and policy servicing. Data will be used for any underwriting or claims development or investigations that may be required, and for fraud prevention and detection purposes.
Edited by RSoovy4 on Tuesday 3rd September 10:55
I think at present the data they are collecting is more valuable being retained by them, so they can build profiles of general driver behaviour, rather than targeting specific drivers.
It looks like the policy has been altered since I last looked - it might have been another policy but I recall one that adjusted the premium by up to 25% more and 10% less than quoted based on the observed behaviour. I recall them basically giving you a "score" and the middle 50% had no change, and the "best" 25% had a premium decrease, the "worst" 25% a hike.
It looks like the policy has been altered since I last looked - it might have been another policy but I recall one that adjusted the premium by up to 25% more and 10% less than quoted based on the observed behaviour. I recall them basically giving you a "score" and the middle 50% had no change, and the "best" 25% had a premium decrease, the "worst" 25% a hike.
ahh so either way you can benefit from the device, I am a pretty chilled driver so I might even get a better quote through them next year, if not then there are plenty others 
I thought that they would penalise me if I went 32 in a 30, in a month or so I'll probably forget about the thing!
I thought that they would penalise me if I went 32 in a 30, in a month or so I'll probably forget about the thing! Wow! I can't imagine knowing that not only can I get caught by the police going over 100mph, but if I do my insurance will automatically be cancelled aswell! Shocking! Worth the extra £500 a year not to be watched and controlled like that IMO!
Imagine worrying about next year's renewal price every time you got in your car? "Mustn't break too hard or break the speed limit today. Could cost me an extra £100 next year."
Imagine worrying about next year's renewal price every time you got in your car? "Mustn't break too hard or break the speed limit today. Could cost me an extra £100 next year."
thatcheeseman said:
Ahh ok cheers guys, was worrying myself for a sec then haha! any idea what the policy is like for speeding, I mean if I go 80mph on the motorway when its empty in the morning will they start kicking off?
They won't kick off, no. They will simply forward this information straight to the Ministry of Love who will fine you and deduct your credits accordingly as well as updating your driving license status.
Come renewal they will up your premium to within a £ of what you can afford based on their calculations using your current, future and past banking and lifestyle records.
This transgression will stay on your citizen account until 50 years after your death, so that your offspring can be held liable for anything you did whilst alive that the authorities on the off-chance missed at the time.
None us are quite sure how this legislation actually got through. But whenever our silent resentment starts to be voiced, all it takes is a trawl of past newspaper articles and historical records to prove that we did. And we liked it. It was us who actually insisted on it and the Government bent over backwards to help us. We must be forgetting to be grateful. Plus, those who voiced these thoughts always tend to drop off the scene a bit and probably get better jobs some place else - and all goes back to normal.
Bookmarked for future reference
ps, can anyone else smell cabbage?
My point is, surely the renewal cost is only for my current provider, they won't have the details of my actual driving would they? I'm not a boy racer or anything and I am very good at staying to the speed limit its just surely its only bell that would give me a high renewal, the others wouldn't know?
Lol I am not going to take risks I mean sometimes you need to go 75 80 to overtake so is it going to be stupidly strict, I'm not a risky driver just if it gives me a bad premium out of the blue will it affect me next year if I go with someone else is what I mean? 256 hahaha that sounds about right 
I mean sometimes you need to go 75 80 to overtake so is it going to be stupidly strict, I'm not a risky driver just if it gives me a bad premium out of the blue will it affect me next year if I go with someone else is what I mean? 256 hahaha that sounds about right 
kers hahaha I don't like the sound of the "6-month review" bit! Although you may not have opted in for this
To put it into some context, my girlfriend had a black box through "Insure the Box" I think it was called, and in all honesty I didn't see much point in it. It stated that her driving style would impact her renewal premium when the year was up (obviously only applied to them, so if they offered a crap quote she could just go somewhere else, which she did). The box had no restrictions, no specific time of day you could and couldn't drive, no nasty letters or threats for speeding, nothing at all, it literally just seemed to monitor.
In fact the only time her insurer ever got involved with her was when she had an accident, the box detected it and her insurers were straight on the phone asking if she was ok and if she needed any assistance sorting things out.
All in all, it just resulted in a cheaper first year insurance for her, with no negative impacts at all.
To put it into some context, my girlfriend had a black box through "Insure the Box" I think it was called, and in all honesty I didn't see much point in it. It stated that her driving style would impact her renewal premium when the year was up (obviously only applied to them, so if they offered a crap quote she could just go somewhere else, which she did). The box had no restrictions, no specific time of day you could and couldn't drive, no nasty letters or threats for speeding, nothing at all, it literally just seemed to monitor.
In fact the only time her insurer ever got involved with her was when she had an accident, the box detected it and her insurers were straight on the phone asking if she was ok and if she needed any assistance sorting things out.
All in all, it just resulted in a cheaper first year insurance for her, with no negative impacts at all.
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