I-Kube insurance for youngsters...

[North West Tom]

Has anyone/anyone's kids had experiences with these? They say it's a 40% discount off what you'd normally pay.

The catch is that they fit you car with a tracker, and you can't drive from 23.00 - 5.00, but I won't be needing to anyway.

http://www.i-kube.co.uk/

[gj88]

I wouldnt want a tracker fitted to my car no matter how much cheaper it is.

[Deluded]

The problem with that is that what if one day, you need to drive after 11pm or before 5pm? What if you have an emergency in the night and need to go somewhere?

What's the point in having a car if you can't use it when you want. Might as well just get the bus.

[NateWM]

gj88 said:

I wouldnt want a tracker fitted to my car no matter how much cheaper it is.

Neither would I, and not to mention the fact that when I first passed my test, I was working within those hours. I would occasionally pop out for a drive at 3am because of how empty the roads are and I still do it now.

[North West Tom]

Deluded said:

The problem with that is that what if one day, you need to drive after 11pm or before 5pm? What if you have an emergency in the night and need to go somewhere?

What's the point in having a car if you can't use it when you want. Might as well just get the bus.

I'll never be driving after 11, and if it is a serious emergency, I'll have to pay the extra fee.

[The Riddler]

Recently went with a mate test driving Fiesta ST and Clio Sports, at a dealership which had a Clio in we were talking to the sales manager about what we currently drive, and our insurance prices. We are both 24, and he suggested we look into this.

I was quite shocked by the terms and conditions, and penalty fees if you do drive 'out of hours' I'd only really need to drive in the night 3 or 4 times to end up paying more than what I pay now, and I often drive late at night or early in the morning.

Not for me, but if you only use a car for a 9-5 job it would be ok. (I guess...)

[North West Tom]

That's the thing, it's seems good for me. I don't have a job and therefore no dosh, so the cheaper the better.

[Rusty Arches]

I wonder though, why 2300 - 0500 . . . . I would imagine more young people crash / bump / claim during normal hours?

[ben_h100]

Try Bell and ecarinsurance - they are normally quite good for young drivers. If you had to go out between 2300-0500 just once a month then that's another 500+ quid a year..!

Now didn't someone talk about gps jammers in another thread..?

[dugt]

£45 is a lot if you get stuck in traffic because someone else has crashed.

And is 1/3 of the accidents are between 11pm and 5am, surely 2/3 of the accidents are btween 5am and 11pm?
Twice as many in the day time as the night time?

And yourll be missing out on so much great driving time. The night is the best time to go for a random drive, and also great if you have to cover a long distance.

[t84]

"Ross Kemp, Plumber"

Is he wearing a wig? He looks young these days

[Starfighter]

dugt said:

£45 is a lot if you get stuck in traffic because someone else has crashed.

And is 1/3 of the accidents are between 11pm and 5am, surely 2/3 of the accidents are btween 5am and 11pm?
Twice as many in the day time as the night time?

And yourll be missing out on so much great driving time. The night is the best time to go for a random drive, and also great if you have to cover a long distance.

I think their point is that 33% of accidents occur in 25% of the day and also that that 25% of the day is typically the quietest on the roads. In terms of accidents per vehicle mile driven it makes things look fairly bad.

[North West Tom]

dugt said:

And yourll be missing out on so much great driving time. The night is the best time to go for a random drive, and also great if you have to cover a long distance.

I only plan on using I-kube for the first year or two, build up my ncb and use a different company when the cost is lower.

[d3dna]

What are you driving? The insurance seems 'reasonable' for the terms and conditions it enforces on you - if you were to go with them. I do see a couple of issues with the tracker being fitted. Will it invalidate a manufacturers/dealership warranty, will it monitor your speed/average speed or your driving patterns (i.e. see where you are going). It's kind of 'Big Brother' which to me seems to contradict the freedom which the car can offer you. When I passed my test I drove everywhere with no purpose going as far afield as my fuel tank would take me.
What happens when you leave the company, will the tracker be removed or will they still get information on your habits?

[North West Tom]

Not got a car yet or passed my test. Not sure if it monitors speed. If it does, then that's not so good. However, should the car be nicked, it'd be located easily.

If you change company, they get an engineer to remove it, at a cost of course.

[anonymous-user]

North West Tom said:

Deluded said:

The problem with that is that what if one day, you need to drive after 11pm or before 5pm? What if you have an emergency in the night and need to go somewhere?

What's the point in having a car if you can't use it when you want. Might as well just get the bus.

I'll never be driving after 11, and if it is a serious emergency, I'll have to pay the extra fee.

Dont you ever see friends in the evening?
I must drive after 11pm a minimum of once a week.

I personally would never have a tracker like this fitted to my car.
I would say have a proper look around other insurance companies first, i bet you can get some pretty cheap prices if you go direct and dont mess about with comparison websites.

[The Riddler]

d3dna said:

What are you driving? The insurance seems 'reasonable' for the terms and conditions it enforces on you - if you were to go with them. I do see a couple of issues with the tracker being fitted. Will it invalidate a manufacturers/dealership warranty, will it monitor your speed/average speed or your driving patterns (i.e. see where you are going). It's kind of 'Big Brother' which to me seems to contradict the freedom which the car can offer you. When I passed my test I drove everywhere with no purpose going as far afield as my fuel tank would take me.
What happens when you leave the company, will the tracker be removed or will they still get information on your habits?

I guess if it is wired into a system incorrectly and caused damage to the vehicles systems it could invalidate warranty, but its not as if drivers using insurance companies like these will have to put up with the likes of Porsche warranty conditions. If you cancel, you pay them to remove their property that they forced upon you. No idea if it will monitor your driving style, but when I looked into it, the likely hood of this happening did worry me.

There is some more info on their site about it, seems like a well intentioned, but very flawed policy IMO.

[d3dna]

I work for a well know English haulage company and all the vehicles are fitted with trackers. This information is displayed on a big screen and can pinpoint the location of the vehicle and it has been known that the planners phone the particular vehicle inquiring why it has stopped, why its going slow, why it hasn't moved for x amount of time etc. If this insurer can see this type of information, this can be used by the insurer but also this information can be sold to third party companies. Maybe this is why the insurance is cheaper - being subsidised by these third party companies?