"Black" boxes for insurance
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From: La Massana, Principat D'Andorra
Joined: Mar 2005
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From: Guildford
A fact of life I'm afraid. Its all about rewarding safe driving and avoiding fraud. There are a lot more controls than this coming your way believe me - and I speak from authority being a Project Manager for a motor insurer. (but that doesn't make me a bad person 
!!!)
but of course we're all safe drivers who obey the law and keep to the speed limits aren't we
!!!)but of course we're all safe drivers who obey the law and keep to the speed limits aren't we
Joined: Jun 2013
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From: Middlesex
It's not the fact that they wanna make sure we're safe drivers, it's the dictatorial method in which these things are thrust upon us.
Rather than get down to the root cause, i.e. teaching people how to drive properly and having a more robust test; it's another case of, what can we do to exploit people's privacy and charge them for this intrusion.
Rather than get down to the root cause, i.e. teaching people how to drive properly and having a more robust test; it's another case of, what can we do to exploit people's privacy and charge them for this intrusion.
Joined: Jul 2012
Posts: 3,459
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From: UK, South Coast
Does the Telegraph only have one picture for "motorists with a black box" ? 
http://www.telegraph.co.uk/finance/p...nce-fraud.html
Surely the traditional NCB identifies whether we are safe or not - I really think 22 years without a claim should suggest that I'm a safe (or extremely lucky) driver. One thing's for sure, giving up privacy won't decrease how much one pays - there will be more insurance company profit for certain though.
I'm aslo worried about "The technology will soon be fitted in new cars as standard. Under EU regulations, all new cars will need black box-style technology, known as eCall, from October 2015, to help emergency services find crashed vehicles."
Seriously, how difficult is it to find a crash ?
http://www.telegraph.co.uk/finance/p...nce-fraud.htmlSurely the traditional NCB identifies whether we are safe or not - I really think 22 years without a claim should suggest that I'm a safe (or extremely lucky) driver. One thing's for sure, giving up privacy won't decrease how much one pays - there will be more insurance company profit for certain though.
I'm aslo worried about "The technology will soon be fitted in new cars as standard. Under EU regulations, all new cars will need black box-style technology, known as eCall, from October 2015, to help emergency services find crashed vehicles."
Seriously, how difficult is it to find a crash ?
Joined: Mar 2005
Posts: 6,690
Likes: 76
From: Guildford
It's not the fact that they wanna make sure we're safe drivers, it's the dictatorial method in which these things are thrust upon us.
Rather than get down to the root cause, i.e. teaching people how to drive properly and having a more robust test; it's another case of, what can we do to exploit people's privacy and charge them for this intrusion.
Rather than get down to the root cause, i.e. teaching people how to drive properly and having a more robust test; it's another case of, what can we do to exploit people's privacy and charge them for this intrusion.
Do you really think that just having a more robust test will stop some people driving like idiots. ? Or making bogus insurance claims ?
Some are quick to moan when premiums go up, but not so quick to praise when devices are introduced to drive premiums down for those that are lower risk.
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Joined: Mar 2005
Posts: 6,690
Likes: 76
From: Guildford
Does the Telegraph only have one picture for "motorists with a black box" ? http://www.telegraph.co.uk/finance/p...nce-fraud.html
Surely the traditional NCB identifies whether we are safe or not - I really think 22 years without a claim should suggest that I'm a safe (or extremely lucky) driver. One thing's for sure, giving up privacy won't decrease how much one pays - there will be more insurance company profit for certain though.
I'm aslo worried about "The technology will soon be fitted in new cars as standard. Under EU regulations, all new cars will need black box-style technology, known as eCall, from October 2015, to help emergency services find crashed vehicles."
Seriously, how difficult is it to find a crash ?
http://www.telegraph.co.uk/finance/p...nce-fraud.htmlSurely the traditional NCB identifies whether we are safe or not - I really think 22 years without a claim should suggest that I'm a safe (or extremely lucky) driver. One thing's for sure, giving up privacy won't decrease how much one pays - there will be more insurance company profit for certain though.
I'm aslo worried about "The technology will soon be fitted in new cars as standard. Under EU regulations, all new cars will need black box-style technology, known as eCall, from October 2015, to help emergency services find crashed vehicles."
Seriously, how difficult is it to find a crash ?
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Joined: May 2010
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From: Costa del Cornwall
And my reaction is.............. 
Don't these idiots realise this will make sure there are MORE uninsured drivers on the road? Not just the normal low lifes but anyscum engaging in criminal activity who dosn't want to be tracked. not to mention law abiding people who really don't want to be under big brothers thumb. How soon before an "illegal" jammer is on the market or people just rip the damb spy out? And if your insurence company decides you are a bad boy and declines to insure you, you will have to declair that to your new insurer, higher premiums (= more profet), or don't bother getting insured.
It will kill the UK insurence market at a stroke as overseas companies start offering non tracker insurence?
Not thought out at all. Welcome to the forth reich.
Don't these idiots realise this will make sure there are MORE uninsured drivers on the road? Not just the normal low lifes but anyscum engaging in criminal activity who dosn't want to be tracked. not to mention law abiding people who really don't want to be under big brothers thumb. How soon before an "illegal" jammer is on the market or people just rip the damb spy out? And if your insurence company decides you are a bad boy and declines to insure you, you will have to declair that to your new insurer, higher premiums (= more profet), or don't bother getting insured.
It will kill the UK insurence market at a stroke as overseas companies start offering non tracker insurence?
Not thought out at all. Welcome to the forth reich.
Joined: May 2010
Posts: 8,076
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From: Costa del Cornwall
Originally Posted by BenRNBP' timestamp='1400571529' post='23167372
Does the Telegraph only have one picture for "motorists with a black box" ? http://www.telegraph.co.uk/finance/p...nce-fraud.html
Surely the traditional NCB identifies whether we are safe or not - I really think 22 years without a claim should suggest that I'm a safe (or extremely lucky) driver. One thing's for sure, giving up privacy won't decrease how much one pays - there will be more insurance company profit for certain though.
I'm aslo worried about "The technology will soon be fitted in new cars as standard. Under EU regulations, all new cars will need black box-style technology, known as eCall, from October 2015, to help emergency services find crashed vehicles."
Seriously, how difficult is it to find a crash ?
http://www.telegraph.co.uk/finance/p...nce-fraud.htmlSurely the traditional NCB identifies whether we are safe or not - I really think 22 years without a claim should suggest that I'm a safe (or extremely lucky) driver. One thing's for sure, giving up privacy won't decrease how much one pays - there will be more insurance company profit for certain though.
I'm aslo worried about "The technology will soon be fitted in new cars as standard. Under EU regulations, all new cars will need black box-style technology, known as eCall, from October 2015, to help emergency services find crashed vehicles."
Seriously, how difficult is it to find a crash ?
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And all the EU bit means is the collapse of the European car market as drivers say sod that and keep their cars for another two or three years and don't buy new.
Joined: Jul 2012
Posts: 3,459
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From: UK, South Coast
You can infer risk level from the fact no claims have been made against me for 22 years.
Do you really, hand-on-heart, think that premiums will go down if we all have personal monitoring technology fitted ? in the first two years at least we'll be paying for the deveices through premiums then insurance companies will start taking profit - we can expect premiums to stay the same or go up for most drivers.
Do you really, hand-on-heart, think that premiums will go down if we all have personal monitoring technology fitted ? in the first two years at least we'll be paying for the deveices through premiums then insurance companies will start taking profit - we can expect premiums to stay the same or go up for most drivers.