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Started by angelico on Feb 17, 2022 11:34:03 AM
Black box / telematics car insurance

Anyone had any experience with this? My son has a poor driving record and he’s looking at it. Seems much cheaper but worried about how draconian it might be.

Any experiences very much valued.

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TheFLUFFIESTKittenEvah - 17 Feb 2022 12:18:39 (#1 of 28)

May be worth reading:



https://hensleylegal.com/car-insurance-tracking-device/

angelico - 17 Feb 2022 12:55:39 (#2 of 28)

Thanks, fluffs.

tasselhoff - 17 Feb 2022 12:55:39 (#3 of 28)

I was involved with Michelin in France for designing this sort of system in conjunction with the insurance companies.

People tended to put it in their granny's car, but IIRC there's been an update since to stop that sort of thing

TheFLUFFIESTKittenEvah - 17 Feb 2022 13:13:03 (#4 of 28)

My own experience with it was pathetic. The stupid thing never worked. It didn't seem to know it was moving, and I finally binned it.

For a year the insurance company kept asking me to update the mileage, whilst simultaneously complaining that it had to write me letters because my email address was invalid. This being the exact same email address that I'd used without issue to pay bills.

In the end they dropped the discount, but I did get the benefit of it for a whole year.

Peacock - 17 Feb 2022 13:48:03 (#5 of 28)

its worth it to reduce the cost of the premium

Tenesmus - 19 Feb 2022 23:35:04 (#6 of 28)

My friend's son had it, it worked, he enjoyed a cheaper insurance, and he doesn't drive like a dick, even though he has an Audi.

Boring, I know, but it's meant to be.

artant - 25 Feb 2022 16:22:37 (#7 of 28)

A former student of mine had an insurance black box and had a very stressful time getting her insurance reinstated after the insurance company cancelled it on the grounds that she'd been speeding. She hadn't but her car was in for a service at the time and someone from the garage had driven it too fast.

It was all fine in the end but it took a lot of sorting out (including a letter from me saying she'd be in the studio at uni at the time).

indlovubill - 25 Feb 2022 17:33:12 (#8 of 28)

People tended to put it in their granny's car, but IIRC there's been an update since to stop that sort of thing

Now the device can detect the smell of piss?

angelico - 25 Feb 2022 17:38:59 (#9 of 28)

nice

Dementor - 25 Feb 2022 17:45:00 (#10 of 28)

I’d assume it would have GPS and if Granny lived elsewhere it would be obvious.

angelico - 25 Feb 2022 17:48:59 (#11 of 28)

The offspring has a black box now, linked to his phone. Much cheaper than alternatives - if he drives sensibly.

It checks for mobile usage while driving, speed, cornering, braking and acceleating and provides a score/breakdown for each journey and an overall score. They are looking for a score of above 30% to keep the premiums the same and so far he's driving at 60.

He hates it, of course, but that's just testosterone.

mikeshadow - 28 Feb 2022 18:55:22 (#12 of 28)

The black box can apparently reduce premiums for elderly drivers too as they are also charged higher premiums than average because of their age.

Verdigris - 28 Feb 2022 19:06:15 (#13 of 28)

The black box can apparently reduce premiums for elderly drivers too as they are also charged higher premiums than average because of their age.



Whilst I'm not exactly elderly, I am approaching 70, and it had crossed my mind that this black box malarkey might suit. As I drive to get maximum economy, no furious accelerating, trying not to use the brakes when approaching traffic lights, etc, I reckon they might be paying me to drive.

But as my premiums are only around £200, fully comp, it probably isn't worth it.

indlovubill - 28 Feb 2022 20:26:54 (#14 of 28)

As I drive to get maximum economy, no furious accelerating, trying not to use the brakes when approaching traffic lights, etc,

Don't you find that to be extremely tiring, distracting even? I've done that on occasion to improve fuel economy but quite frankly I'd rather concentrate on my driving and other people's driving.

Tenesmus - 28 Feb 2022 20:29:33 (#15 of 28)

If you find that distracting perhaps driving isn't really for you, bill.

Verdigris - 28 Feb 2022 20:30:51 (#16 of 28)

I'd rather concentrate on my driving and other people's driving.



It's exactly what I do. I'm always amused by the people, who haven't been taught to drive properly, stopping and starting, behind me, as I serenely cruise up to the lights, under engine braking, and keep moving as the lights go green.

indlovubill - 28 Feb 2022 20:55:02 (#17 of 28)

If you find that distracting perhaps driving isn't really for you, bill.

I tend to do quite a lot of it though, Tenesmus. I'm in the North West and cover the whole of the UK from Dingwall in the North East of Scotland to Truro in the South West of England. Last week I was in London, next week I'm in Aberdeen. Defensive driving as taught to me, quick but not tailgating, I don't like tailgaters it's a bit of a thing with me.

Tenesmus - 28 Feb 2022 20:57:50 (#18 of 28)

Engine braking only works if you're an old Luddite with a manual gearbox though.

Dubris - 28 Feb 2022 21:05:53 (#19 of 28)

If I take my foot off the accelerator pedal of my automatic, it slows down gradually. That isn't engine braking as such, but the effect in terms of regulating my speed is much the same.

Verdigris - 28 Feb 2022 21:06:22 (#20 of 28)

Well I wonder what the clever dicks who decided engine braking was verboten will do when somebody turns up for their test in an EV that has regenerative braking?

If they decree that regen is to be turned off, then nobody in a Tesla will be able to pass, as megalomaniac Elon Musk has decreed that only max regen is allowed in his cars. There is no driver adjustment.

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