Black Box - Insurance Cancelled

[blueg33]

NewCarGuy said:

The OG Jester said:

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?

£700 vs £1500 with and without a black box at my last renewal. Should have just forked out for the non-black box policy.

What car is it and where in the country. Unless you have a poor driving record it doesn’t make sense.

[NewCarGuy]

BMW 320i in the West Midlands, you're right, it doesn't make sense.

[RSTurboPaul]

NewCarGuy 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.

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.

Pro Rata refund is going to sting, probably - check the T&Cs as you may get back fewer whole months' worth than you expect, but as you say, better than an official cancellation.

[RSTurboPaul]

garypotter said:

Puzzles said:

Bloody hell. Was £5.5k the best he could get?

Yes hence the car is now kept on the drive under wraps un insured and the son has to keep paying his monthly lease, been there for last 7 months

You should be able to get Fire and Theft cover on its own.

[Byker28i]

Road2Ruin said:

NewCarGuy said:

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.

Did you actually do 25 miles in that time? I suspect they think you did more and that is why the policy has been cancelled.

Excessive speed and braking. Did you do this?

[NewCarGuy]

Byker28i said:

Excessive speed and braking. Did you do this?

No comment

[ro250]

NewCarGuy said:

Byker28i said:

Excessive speed and braking. Did you do this?

No comment

I assume that means you did so does beg the obvious question why, when you had a black box installed.

[NewCarGuy]

ro250 said:

I assume that means you did so does beg the obvious question why, when you had a black box installed.

What sort of loaded question is this? In my original post I was clear with what my questions were and what I was asking. You're just waffling about something irrelevant.

[ro250]

NewCarGuy said:

ro250 said:

I assume that means you did so does beg the obvious question why, when you had a black box installed.

What sort of loaded question is this? In my original post I was clear with what my questions were and what I was asking. You're just waffling about something irrelevant.

Alright, calm down.

[Monkeylegend]

ro250 said:

NewCarGuy said:

ro250 said:

I assume that means you did so does beg the obvious question why, when you had a black box installed.

What sort of loaded question is this? In my original post I was clear with what my questions were and what I was asking. You're just waffling about something irrelevant.

Alright, calm down.

Maybe not so irrelevant to your insurance co though.

[bad company]

NewCarGuy said:

Byker28i said:

Excessive speed and braking. Did you do this?

No comment

That speaks volumes imo.

[NewCarGuy]

There were a lot of useful replies at first, now it seems to be the Karen's of the forum that have jumped on in.

[shed driver]

I recently got quotes on my 1973 Rover P5B Coupe, several of the companies were stipulating telematics for the policy. I'd love to have gone with them just to ask how they were going to fit it with 50 year old wiring!

SD.

[BertBert]

What have you decided to do OP?

[cossy400]

NewCarGuy said:

There were a lot of useful replies at first, now it seems to be the Karen's of the forum that have jumped on in.

Probably because your evading questions.

Your 30 not 5 so answer them.

You see the truth always appears at some stage and then the OP starts with the speech above.

[Road2Ruin]

shed driver said:

I recently got quotes on my 1973 Rover P5B Coupe, several of the companies were stipulating telematics for the policy. I'd love to have gone with them just to ask how they were going to fit it with 50 year old wiring!

SD.

The one my daughter had plugged in to the cigarette lighter port and velcroed to the carpet. Easy.

[Megaflow]

bad company said:

NewCarGuy said:

Byker28i said:

Excessive speed and braking. Did you do this?

No comment

That speaks volumes imo.

Indeed. I think we just found out a significant amount.

[Petrus1983]

So you're making a complaint about something you know you've f'd up. Agreed to a black box, drove like a numpty and they don't want to cover the risk you now pose. I did wonder why someone needed a black box aged 30.

[Byker28i]

NewCarGuy said:

There were a lot of useful replies at first, now it seems to be the Karen's of the forum that have jumped on in.

Well, it looked like a simple mistake you were claiming, due to.low mileage, but if you drive outside the conditions set and recorded on the Black box, then it seems you wouldn't have anything to complain about.

Why.I asked if their claim of poor driving was true.

24 miles only with a black box recorder, must be a record for insurance refused.

Edited by Byker28i on Friday 5th July 15:42

[shtu]

Megaflow said:

bad company said:

NewCarGuy said:

Byker28i said:

Excessive speed and braking. Did you do this?

No comment

That speaks volumes imo.

Indeed. I think we just found out a significant amount.

There was a quickly-removed comment on the first page from the OP that contained a phrase similar to "I'm not surprised it's been cancelled". The following comments quickly recommend admitting nothing.