Black Box - Insurance Cancelled
Discussion
charltjr said:
So OP, what has the insurer said now they're open?
Worst case you just cancel it yourself before they cancel it so you don't have to declare it as a cancelled policy.
Absolutely, OP there is some great advice here on appeals etc, but whatever you do, get in first before they cancel to avoid heartache in future!Worst case you just cancel it yourself before they cancel it so you don't have to declare it as a cancelled policy.
carreauchompeur said:
charltjr said:
So OP, what has the insurer said now they're open?
Worst case you just cancel it yourself before they cancel it so you don't have to declare it as a cancelled policy.
Absolutely, OP there is some great advice here on appeals etc, but whatever you do, get in first before they cancel to avoid heartache in future!Worst case you just cancel it yourself before they cancel it so you don't have to declare it as a cancelled policy.
119 said:
Of the couple of times the kids had them, the insurer sent a guy round to fit it and hide it.
They don’t just send them out in the post in the hope that the insured would do it surely?
Yes. With Direct Line it was sent in the post and it plugged into the OBD port. Why would that be a problem? You have a set timeframe to plug it in. If you later unplug it they know. For some people it's just an app on their phone. They don’t just send them out in the post in the hope that the insured would do it surely?
If you're the sort to try and mess with monitoring then finding it hidden in the car is not going to be a big issue. You're risking cancelled insurance so the vast majority of BB users will just drive sensibly and take the lower premiums.
Rough101 said:
CoolHands said:
If you think about it, it would be best to position the box on the roll centre of the car, to minimise cornering and fore / aft motion in acceleration and braking. If you have it off centre etc as I guess many people do, you will be reporting back ‘worse’ data.
I I know, but there was nowhere to put it, it was as close to the centre as I could get it and it worked out fine.For a new driver, having to drive monitored for 3 months after passing a test is no bad thing.
Edited by Rough101 on Tuesday 2nd July 08:42
ds666 said:
You’ll have to explain this please . If a car sees 0.5g acceleration , for example , how does it matter where the box is fitted ( unless the boxes are useless) ?
The centre of the car would experience 0.5g. The front bumper would experience 0.5 plus the acceleration of the bumper rising.pingu393 said:
ds666 said:
You’ll have to explain this please . If a car sees 0.5g acceleration , for example , how does it matter where the box is fitted ( unless the boxes are useless) ?
The centre of the car would experience 0.5g. The front bumper would experience 0.5 plus the acceleration of the bumper rising.ds666 said:
pingu393 said:
ds666 said:
You’ll have to explain this please . If a car sees 0.5g acceleration , for example , how does it matter where the box is fitted ( unless the boxes are useless) ?
The centre of the car would experience 0.5g. The front bumper would experience 0.5 plus the acceleration of the bumper rising.Think of it like attaching the g-meter to the second hand on a clock. If you attach it to the tip of the hand, the acceleration is greater than if it is attached at the centre of the clock.
pingu393 said:
ds666 said:
pingu393 said:
ds666 said:
You’ll have to explain this please . If a car sees 0.5g acceleration , for example , how does it matter where the box is fitted ( unless the boxes are useless) ?
The centre of the car would experience 0.5g. The front bumper would experience 0.5 plus the acceleration of the bumper rising.Think of it like attaching the g-meter to the second hand on a clock. If you attach it to the tip of the hand, the acceleration is greater than if it is attached at the centre of the clock.
The differences would be in the margins cog v anywhere else ?
charltjr said:
So OP, what has the insurer said now they're open?
Worst case you just cancel it yourself before they cancel it so you don't have to declare it as a cancelled policy.
They've told me it's due to excessive braking and speed, I asked about if I cancel it first before they do and they said it wouldn't go against me then so I'm going to cancel it tomorrow morning when they're open again. £75 cancellation fee and a pro rata refund is better than having a cancelled policy on my record.Worst case you just cancel it yourself before they cancel it so you don't have to declare it as a cancelled policy.
ds666 said:
Thanks - but in your analogy what the black box would be measuring is the acceleration of the clock in space not the second hand relative to the clock .
The differences would be in the margins cog v anywhere else ?
This is a long way O/T, but...The differences would be in the margins cog v anywhere else ?
In my analogy, the second hand was the car, not the clock was the car.
The second hand is bouncing in space, but the force you feel is different if you are sat on the tip of the hand, or on the pivot.
Taking it to it worst extremes, you could put the g-meter on one of the wheels.
F1 cars are designed to try and position the centre of the driver's body as close to the centre of mass of the car so what they feel is not too far away from what the car "feels". You want the black box g-meter to "feel" what the car "feels".
You appear to be going off at a tangent , x ,y and z .
Back nearer topic.
I’d wager that putting an insurance black box on the roll centre of the car would practically make absolutely zero difference to what it records .
F1 car etc maybe .
But well off topic , as you say .
My daughters cars black always says “room for improvement”
But she drives very well .
In the margins
Back nearer topic.
I’d wager that putting an insurance black box on the roll centre of the car would practically make absolutely zero difference to what it records .
F1 car etc maybe .
But well off topic , as you say .
My daughters cars black always says “room for improvement”
But she drives very well .
In the margins
eliot said:
excessive braking and speeding in 25 miles is some going - I think i would want to see the data still.
In a world where gps jamming /spoofing is becoming commonplace, I think the 100% reliance insurers have on these could be challenged.
I've requested copies of the data from them and I'm still filing a complaint so I'll see where things go from there.In a world where gps jamming /spoofing is becoming commonplace, I think the 100% reliance insurers have on these could be challenged.
ukwill said:
My current insurer uses an OBD BB, but it’s only for recording mileage as my policy is charged per mile.
Worked out cheaper than any of the annual quotes.
How are you assuming it is measuring mileage, do you think it is getting data from the odometer?Worked out cheaper than any of the annual quotes.
I suspect you have the full black box tracking system measuring, logging and transmitting everything to the insurer, they just pull out the calculated mileage but still have all the other data to do what with?
This is bonkers to me! Surely at 30 y/o you can get a decent enough price for insurance?
So how can you break excessively? What happens if you had someone jump in front of you 20 times in 25 miles? Not saying it's likely but it could happen and you get punished for it?
The speed thing is tough titties, surely you would know that would be picked up on easily?
So how can you break excessively? What happens if you had someone jump in front of you 20 times in 25 miles? Not saying it's likely but it could happen and you get punished for it?
The speed thing is tough titties, surely you would know that would be picked up on easily?
The OG Jester said:
So how can you break excessively? What happens if you had someone jump in front of you 20 times in 25 miles? Not saying it's likely but it could happen and you get punished for it?
Brittle bone disease.Insurance isn't to 'reward' or 'punish' you, it's to cover risk. If you have 20 people jumping in front of you then you are an accident waiting to happen and companies either won't want to take on that risk or charge an appropriately high premium to do so.
Gassing Station | General Gassing | Top of Page | What's New | My Stuff