Black Box - Insurance Cancelled
Discussion
Megaflow said:
bad company said:
NewCarGuy said:
Byker28i said:
Excessive speed and braking. Did you do this?
No commentMy dashcam has a driver safety function where it records a videoclip where if it detects harsh acceleration/braking/cornering/incidents. I set it to low sensitivity thinking it would detect everything. Nothing. Changed it to medium - nothing. Changed it to high sensitivity and it finally recorded a clip when I forgot about a speed hump.
Guybrush said:
I would take from this a lesson: don't ever have a monitoring system of any sort fitted to your vehicle if you're not confident that your driving will meet the necessary standard
We've had several fitted over the last 10-15 years (mainly when one of my kids has just passed their test). We've never had a problem.Guybrush said:
I would take from this a lesson: don't ever have a monitoring system of any sort fitted to your vehicle (or anything else).
That's a very strange lesson to take from this tale of woe. The lesson I take is that if someone or something is monitoring your driving, don't drive like a t
t. It's only a matter of time surely before all (or at least most) policies come with this sort of thing.
I've never had a BB policy and would not voluntarily agree to one, not because my driving sucks (I've never had points etc and I have 20+ years NCB) but because I would not want to volunteer reasons to an insurer to invalidate or cancel my insurance, based on the most primitive of assessment criteria.
As others have said, "dangerous" driving for the purpose of a BB includes things like emergency stops or sharp steering corrections to avoid collisions when other numpties fail to engage their brains. Neither of these things should be used to "mark down" your driving performance - they are exactly what you should do under the necessary circumstances and indeed need to do when such situations arise.
Drivers shouldn't be encouraged to mow down that dog/cat/small child just so a basic box of electronics in your car doesn't register some sharp braking...
I've never had a BB policy and would not voluntarily agree to one, not because my driving sucks (I've never had points etc and I have 20+ years NCB) but because I would not want to volunteer reasons to an insurer to invalidate or cancel my insurance, based on the most primitive of assessment criteria.
As others have said, "dangerous" driving for the purpose of a BB includes things like emergency stops or sharp steering corrections to avoid collisions when other numpties fail to engage their brains. Neither of these things should be used to "mark down" your driving performance - they are exactly what you should do under the necessary circumstances and indeed need to do when such situations arise.
Drivers shouldn't be encouraged to mow down that dog/cat/small child just so a basic box of electronics in your car doesn't register some sharp braking...
-Lummox- said:
As others have said, "dangerous" driving for the purpose of a BB includes things like emergency stops or sharp steering corrections to avoid collisions when other numpties fail to engage their brains. Neither of these things should be used to "mark down" your driving performance - they are exactly what you should do under the necessary circumstances and indeed need to do when such situations arise.
Drivers shouldn't be encouraged to mow down that dog/cat/small child just so a basic box of electronics in your car doesn't register some sharp braking...
I'm not sure they do mark you down for an occasional emergency stop. My sister actually said this to me recently that she'd heard about this but I think it's likely an urban myth. I'm sure their data analysis is set to ignore an occasional emergency stop compared to pulling up like a police car to a bank robbery every day.Drivers shouldn't be encouraged to mow down that dog/cat/small child just so a basic box of electronics in your car doesn't register some sharp braking...
-Lummox- said:
It's only a matter of time surely before all (or at least most) policies come with this sort of thing.
I've never had a BB policy and would not voluntarily agree to one, not because my driving sucks (I've never had points etc and I have 20+ years NCB) but because I would not want to volunteer reasons to an insurer to invalidate or cancel my insurance, based on the most primitive of assessment criteria.
As others have said, "dangerous" driving for the purpose of a BB includes things like emergency stops or sharp steering corrections to avoid collisions when other numpties fail to engage their brains. Neither of these things should be used to "mark down" your driving performance - they are exactly what you should do under the necessary circumstances and indeed need to do when such situations arise.
Drivers shouldn't be encouraged to mow down that dog/cat/small child just so a basic box of electronics in your car doesn't register some sharp braking...
If you're low risk you're exactly the kind of driver that makes them the most money.I've never had a BB policy and would not voluntarily agree to one, not because my driving sucks (I've never had points etc and I have 20+ years NCB) but because I would not want to volunteer reasons to an insurer to invalidate or cancel my insurance, based on the most primitive of assessment criteria.
As others have said, "dangerous" driving for the purpose of a BB includes things like emergency stops or sharp steering corrections to avoid collisions when other numpties fail to engage their brains. Neither of these things should be used to "mark down" your driving performance - they are exactly what you should do under the necessary circumstances and indeed need to do when such situations arise.
Drivers shouldn't be encouraged to mow down that dog/cat/small child just so a basic box of electronics in your car doesn't register some sharp braking...
If somebody is regularly having to make "emergency stops" or "sharp steering corrections" the chances are they're not as good a driver as they think they are.
If my wife and daughters are capable of scoring 90+ I'm genuinely surprised that people who take an active interest in good driving worry about this sort of thing.
BertBert said:
What have you decided to do OP?
I've cancelled the policy myself before they have. I spoke to them and they've confirmed that it won't go down as a cancelled policy on my record but I will be charged a £75 cancellation fee and will get a pro-rota refund. Quoted with and without declaring a cancelled policy for new insurance has been a world apart. With a cancelled policy the lowest quote is £1800 without a black box. Without a black box the lowest non-black box policy is £1150.TwigtheWonderkid said:
Guybrush said:
I would take from this a lesson: don't ever have a monitoring system of any sort fitted to your vehicle (or anything else).
That's a very strange lesson to take from this tale of woe. The lesson I take is that if someone or something is monitoring your driving, don't drive like a tt. 1. Don't have monitoring if you can afford not to.
2. If you have to have monitoring don't drive like a t
t.But if people followed the above, the forum would be a bit thread-bare so please ignore the above.
-Lummox- said:
It's only a matter of time surely before all (or at least most) policies come with this sort of thing.
When Norwich Union (now Aviva) first introduced them in 1996, it was a niche product for young drivers. Loads of people said it was the thin end of the wedge, and by Tuesday week we'd all have one. 28 years later and in the main, it's a niche product for young drivers.
There are millions of people in the UK paying £250/year for insurance or less, over 40, 1.4 eurobox, not living in a city, max ncb, no claims for 20+ years, etc. Where's the profit in supplying and monitoring a BB to them, when they rarely claim anyway.
It's a complete non starter.
-Lummox- said:
It's only a matter of time surely before all (or at least most) policies come with this sort of thing.
I've never had a BB policy and would not voluntarily agree to one, not because my driving sucks (I've never had points etc and I have 20+ years NCB) but because I would not want to volunteer reasons to an insurer to invalidate or cancel my insurance, based on the most primitive of assessment criteria.
As others have said, "dangerous" driving for the purpose of a BB includes things like emergency stops or sharp steering corrections to avoid collisions when other numpties fail to engage their brains. Neither of these things should be used to "mark down" your driving performance - they are exactly what you should do under the necessary circumstances and indeed need to do when such situations arise.
Drivers shouldn't be encouraged to mow down that dog/cat/small child just so a basic box of electronics in your car doesn't register some sharp braking...
Why will most policies have one? You buy the insurance you want, and insurance companies want your custom. People that don't want them won't buy insurance with them.I've never had a BB policy and would not voluntarily agree to one, not because my driving sucks (I've never had points etc and I have 20+ years NCB) but because I would not want to volunteer reasons to an insurer to invalidate or cancel my insurance, based on the most primitive of assessment criteria.
As others have said, "dangerous" driving for the purpose of a BB includes things like emergency stops or sharp steering corrections to avoid collisions when other numpties fail to engage their brains. Neither of these things should be used to "mark down" your driving performance - they are exactly what you should do under the necessary circumstances and indeed need to do when such situations arise.
Drivers shouldn't be encouraged to mow down that dog/cat/small child just so a basic box of electronics in your car doesn't register some sharp braking...
As you've never had one how do you know what they do or don't count? My daughter had one for a few years and it seems to be fairly accurate in what it thought was harsh braking.
At no point did she have to pay any more, or get warned her insurance would be cancelled. It simply dropped her score for that drive a bit.
I don't think I ever saw her marked down for speeding, yet she kept up with normal traffic speeds.
FMOB said:
TwigtheWonderkid said:
Guybrush said:
I would take from this a lesson: don't ever have a monitoring system of any sort fitted to your vehicle (or anything else).
That's a very strange lesson to take from this tale of woe. The lesson I take is that if someone or something is monitoring your driving, don't drive like a tt. 1. Don't have monitoring if you can afford not to.
I would have wanted to reduce the risk of them being involved in a serious accident.
TwigtheWonderkid said:
FMOB said:
TwigtheWonderkid said:
Guybrush said:
I would take from this a lesson: don't ever have a monitoring system of any sort fitted to your vehicle (or anything else).
That's a very strange lesson to take from this tale of woe. The lesson I take is that if someone or something is monitoring your driving, don't drive like a tt. 1. Don't have monitoring if you can afford not to.
I would have wanted to reduce the risk of them being involved in a serious accident.
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