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Insurance (Black Boxes) Problems

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  • Author

I really don't want to know what you where googling for to find that :rofl:

Was something my mate from Ukraine sent me lol..... being close to Russia and an endless supply of vodka aint good for him

I'm guessing your average policy with one of these doesn't come this the fancy website features either

I can understand if you're insurance would normally be sky high (I've never paid more than £1,500) but we only pay about £400 fo ours so I think the savings would be minimal and not worth the hassle or keeping in the back of your mind if you do something their computer system deems as "dangerous" or "wrong" that you are going to be whacked with a higher premium or messing with "warnings" etc.

Phil

I work near the back end of this industry and believe me, insurers are falling over themselves to push this. This is just going to end up like the man/woman discrimination thing. For now, those with trackers are getting discounts, but soon that will float up to the base price and there will be penalties for not having one. This is a tool for insurers to make them more money, not to save you any.

If you have a fancy car and think it will make it recoverable, they are being increasingly stolen with the aid of GPS/GPRS jammers so just vanish without trace like any other car. The only benefit for drivers with these at the moment is the temporarily lower premiums.

but we only pay about £400 fo ours so I think the savings would be minimal

I don't think you're the target driver type at the mo

I did wonder why sesachc had had one fitted, until he explained the newly pass GF on the policy

Thing is, I can see the attraction of being able to make it possible for the new driver to be insurable on the car

It does offer an alternative to the route of having to have yrs of feeble old bangers to build up a decent NCB

Still don't think they're a good idea though. They'll create fearful drivers.

There is nothing to stop having it fitted, and then disabled later on. So you have the device fitted, and then pull the fuse or block the GPS aerial. Then drive around all day as you see fit, perhaps letting it see some activity every few days so they don't get suspicious. Just remember to remove the block in the same place you set the block up, otherwise they would want to know how the car did 100 miles without them knowing for example.

Are these unit stand-alone, or can they read a digital tacho via ODB ?

Thing is, I can see the attraction of being able to make it possible for the new driver to be insurable on the car

It does offer an alternative to the route of having to have yrs of feeble old bangers to build up a decent NCB

Except unless you have your own policy, you don't build up any no claims bonus, in most cases. I still suspect it would be a whole lot cheaper to run a second, smaller, unmodified car in her name (other than resorting to fitting the box, which I wouldn't, out of principle)

Our ones are CANBUS so will be recording data even if you're blocking the signals. It will queue it all then dump it when it has a connection again. The stolen ones keep the jammer in place until they find and destroy the box.

If you have an accident with it blocked, you may find your insurance void, so I wouldn't do that.

I don't think you're the target driver type at the mo

I did wonder why sesachc had had one fitted, until he explained the newly pass GF on the policy

Thing is, I can see the attraction of being able to make it possible for the new driver to be insurable on the car

It does offer an alternative to the route of having to have yrs of feeble old bangers to build up a decent NCB

Still don't think they're a good idea though. They'll create fearful drivers.

True. I guess for the right person they can be useful.

I do also agree with your last point still. They will make people fearful of using the full potential of the car or making good progress etc.

I suppose if the alternative is to drive a banger/low powered car or pay through the nose for the insurance then what else are you to do.

Phil

I understand the need for these as a way of reducing premiums , if I was you I would complain to the insurance company about the poor quality installation and the "engineers" attitude, just keep playing your face, hope you get something sorted.

  • Author

aye a did, but got to wait till thursday for someone other than the last crackhead that came out

  • 6 months later...

Black box insurence here to take all the pleasure out of driving,

We should be telling insurence companiies where to stick these boxes, taking big brother way to far

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