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Any - Black Box (Telematics) Insurance - Chris M

Does anyone here have any real life experience of insurance that uses telematics to monitor your driving?

I'm looking at how to get my 17 yo son mobile at an affordable price. Having a black box installed looks a viable option with the added advantage of having someone looking over his shoulder to (hopefully) curb any thoughts of him driving like a looney. The Co-Op will cancel the insurance if you perpetually stray from the sensible and that to me at least, sounds like a good idea for young drivers. May not be cool, but neither is standing at a bus stop.

Any - Black Box (Telematics) Insurance - Ryan Overson

Hi,

I passed my test last year, checked on all the comparison websites for a general idea of price. For a Renault Clio it was coming out over £1500 for standard insurance!! Do they think we're made of money?!

Ended up going with www.coverbox.co.uk/ in the end - came out just over £800 with the promise of a further discount if I drove well. They sent me driving updates every month on how I could improve my driving (which didn't really bother me because I wasn't too bad of a driver anyway). Overall got a 79/100 in my first year and saved £200 when I renewed so was pretty chuffed.

Cheers

Any - Black Box (Telematics) Insurance - Matt@

had our 2 kids on BB. First was Ingenie, 2nd Teco. No issues with either, they certainly prompt slower and safer driving. I wouldnt have one with a curfew. With most boxes, if you keep a good score your premium comes down. Our 17yr old son on a 06 Corsa SXI premium about £1500 i think. Daughter 2 .5 yrs ago about 1200

Any - Black Box (Telematics) Insurance - gordonbennet

Maybe allowing yourself to be spied on 24/7 brings a cost benefit albeit unless you ping a red flag, but how much is freedom from big brother worth, what next we'll knock a further 10% off if you let us insert this 'harmless' chip in your arm, after all in the new republic of Utopia if you've nothing to hide etc.

Are these youngsters being encouraged with a bit of discount into the total personal surveillance society big brother wants, where persons unknown can watch listen track and record you all the time, for all time, but who's paying for and monitoring the watchers, and who are they answerable to.

Any - Black Box (Telematics) Insurance - RobJP

Maybe allowing yourself to be spied on 24/7 brings a cost benefit albeit unless you ping a red flag, but how much is freedom from big brother worth, what next we'll knock a further 10% off if you let us insert this 'harmless' chip in your arm, after all in the new republic of Utopia if you've nothing to hide etc.

Are these youngsters being encouraged with a bit of discount into the total personal surveillance society big brother wants, where persons unknown can watch listen track and record you all the time, for all time, but who's paying for and monitoring the watchers, and who are they answerable to.

Not at all.

The insurance companies are heavily restricted as to what purposes the information can be used for by UK law, and, quite simply, that is to monitor driving behaviour and speed, etc. so as to better price and reduce risk.

To compare it to (for example) the current Facebook situation and some sort of overarching illuminati-esque conspiracy is stretching it to excessive levels.

Your own browser (unless you've got it pared down to the minimum) will know, for example, that you spend time on this website and others, and your ISP will know from where you access the internet, your email, etc. Your mobile provider knows where you are (it has to, to connect you to the network), and even your bank knows your shopping habits as to the supermarket you use, where you regularly fill up with fuel, etc.

Any - Black Box (Telematics) Insurance - alan1302

Maybe allowing yourself to be spied on 24/7 brings a cost benefit albeit unless you ping a red flag, but how much is freedom from big brother worth, what next we'll knock a further 10% off if you let us insert this 'harmless' chip in your arm, after all in the new republic of Utopia if you've nothing to hide etc.

Are these youngsters being encouraged with a bit of discount into the total personal surveillance society big brother wants, where persons unknown can watch listen track and record you all the time, for all time, but who's paying for and monitoring the watchers, and who are they answerable to.

Have you been on the conspiracy websites again?

Any - Black Box (Telematics) Insurance - daveyK_UK
My partner would rather use her own i10 for work purposes than a 3 series company car as the 3 series comes with a tracker, speed limiter (70) and flags up speeding in normal roads and beeps for 10 seconds - if you don’t lower your speed within 10 seconds they call you in. Do it 3 times in a calendar month and it’s goodbye.

As you can gather, very few staff now choose the company car option.

Furthermore, very few staff are still with them as most work in sales and do significant mileage’s. And And yes, they have a staff shortage but don’t blame the new car policy despite the majority of staff stating it was a major reason in their leaving interviews.

Edited by daveyK_UK on 11/04/2018 at 21:47

Any - Black Box (Telematics) Insurance - RobJP
My partner would rather use her own i10 for work purposes than a 3 series company car as the 3 series comes with a tracker, speed limiter (70) and flags up speeding in normal roads and beeps for 10 seconds - if you don’t lower your speed within 10 seconds they call you in. Do it 3 times in a calendar month and it’s goodbye. As you can gather, very few staff now choose the company car option. Furthermore, very few staff are still with them as most work in sales and do significant mileage’s. And And yes, they have a staff shortage but don’t blame the new car policy despite the majority of staff stating it was a major reason in their leaving interviews.

In today's shock news headlines, salespeople who speed whine about it when their employer tries to make them obey the law.

So your partner (and by the sound of it, you agree with her, thinking the employers are a wee bit dumb) thinks that the law is something to be ignored. I wonder if your (and her) attitude extends to things like property theft, drink (or drug) driving ... is your disregard for the law selective or universal ?

Doing 'significant mileages' is no reason to speed. In my old job I was doing, at one stage, 45k miles a year in a company car with tracking. Not a single speeding ticket nor an admonishment in 8 years.

Any - Black Box (Telematics) Insurance - drd63

So do you seriously propose criminalising a significant minority of otherwise law abiding citizens by prosecuting them for breaking an arbitrarily imposed law? I suspect you'll say yes but try driving regularly on the M40 between Oxford and Warwick even at rush hour to see how stupid a 70mph speed limit is. The traffic often flows much faster and I suspect accident rates are no worse than other stretches of Mway where speed limits are strictly enforced. 20, 30, 40 limits are normally entirely sensible, blanket 70 on Mway just daft. Anyway, back to BB"s, would I want my driving monitored? Absolutely not. Would I want my sons driving monitored like this, again no. Compulsion does not make for a better driver, an understanding of appropriate driving behaviour and respect for the potential for injury and damage a car can inflict is surely a better option.

Any - Black Box (Telematics) Insurance - daveyK_UK
My partner would rather use her own i10 for work purposes than a 3 series company car as the 3 series comes with a tracker, speed limiter (70) and flags up speeding in normal roads and beeps for 10 seconds - if you don’t lower your speed within 10 seconds they call you in. Do it 3 times in a calendar month and it’s goodbye. As you can gather, very few staff now choose the company car option. Furthermore, very few staff are still with them as most work in sales and do significant mileage’s. And And yes, they have a staff shortage but don’t blame the new car policy despite the majority of staff stating it was a major reason in their leaving interviews.

In today's shock news headlines, salespeople who speed whine about it when their employer tries to make them obey the law.

So your partner (and by the sound of it, you agree with her, thinking the employers are a wee bit dumb) thinks that the law is something to be ignored. I wonder if your (and her) attitude extends to things like property theft, drink (or drug) driving ... is your disregard for the law selective or universal ?

Doing 'significant mileages' is no reason to speed. In my old job I was doing, at one stage, 45k miles a year in a company car with tracking. Not a single speeding ticket nor an admonishment in 8 years.

Im sure if they where paid hourly and on some sort of public sector pay roll such conditions on company supplied vehicles would be welcomed as their is no incentive to increase productivity.

In this case, the majority of staff are commission and bonus incentivised, with an incentive on seeing as many clients as possible to maximise that bonus and commission as the basic pay is just that - basic.

Any - Black Box (Telematics) Insurance - Smileyman
My partner would rather use her own i10 for work purposes than a 3 series company car as the 3 series comes with a tracker, speed limiter (70) and flags up speeding in normal roads and beeps for 10 seconds - if you don’t lower your speed within 10 seconds they call you in. Do it 3 times in a calendar month and it’s goodbye. As you can gather, very few staff now choose the company car option. Furthermore, very few staff are still with them as most work in sales and do significant mileage’s. And And yes, they have a staff shortage but don’t blame the new car policy despite the majority of staff stating it was a major reason in their leaving interviews.

presumably the impact of this car policy is impacting profitability .... hope the shareholders are happy with this!

Edited by Smileyman on 11/04/2018 at 23:27

Any - Black Box (Telematics) Insurance - daveyK_UK
The policy was introduced after their main customer installed the same system to their own fleet including the draconian rules as the staff of the main customer felt it was unfair one of their main suppliers staff were living a tracker big brother free life.

Humans have always been jealous, envious and spiteful.

To make matters worse, from next month all company vehicles are to be fitted with an illiminous yellow seat belt pad (like the boy racer ones ) so other staff or customer staff can identify if a driver or passenger isn’t wearing a seatbelt and can grass them up.
Again, this was a policy introduced by their main customer and they have in turn replicated the madness.

All in the name of ‘safety’!

I know of a similar set up at a major govt supplier, this is what happens when burecrats take over.

I bet your going to look great in your 67 plate 3 series with everyone wearing Illuminous seat belt pads.

Edited by daveyK_UK on 12/04/2018 at 11:11

Any - Black Box (Telematics) Insurance - galileo
My partner would rather use her own i10 for work purposes than a 3 series company car as the 3 series comes with a tracker, speed limiter (70) and flags up speeding in normal roads and beeps for 10 seconds - if you don’t lower your speed within 10 seconds they call you in. Do it 3 times in a calendar month and it’s goodbye. As you can gather, very few staff now choose the company car option. Furthermore, very few staff are still with them as most work in sales and do significant mileage’s. And And yes, they have a staff shortage but don’t blame the new car policy despite the majority of staff stating it was a major reason in their leaving interviews.

Any - Black Box (Telematics) Insurance - galileo
My partner would rather use her own i10 for work purposes than a 3 series company car as the 3 series comes with a tracker, speed limiter (70) and flags up speeding in normal roads and beeps for 10 seconds - if you don’t lower your speed within 10 seconds they call you in. Do it 3 times in a calendar month and it’s goodbye. As you can gather, very few staff now choose the company car option. Furthermore, very few staff are still with them as most work in sales and do significant mileage’s. And And yes, they have a staff shortage but don’t blame the new car policy despite the majority of staff stating it was a major reason in their leaving interviews.

I presume your partner is happy to pay the extra insurance for business use, I certainly would think it was worth it to feel free from interference,