Car Talk - Non S2000 General Motoring and Non S2000 Car Talk

"Black" boxes for insurance

Thread Tools
 
Old May 20, 2014 | 03:44 AM
  #21  
richmc's Avatar
 
Joined: May 2010
Posts: 8,076
Likes: 86
From: Costa del Cornwall
Default

Originally Posted by Dembo
Originally Posted by richmc' timestamp='1400572751' post='23167390
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.
The EU bit is to fit all cars with a black box that allows the emergency services to find you when you're upside down in a ditch. Hard to see why that would put people off buying cars.
So the black box contains a sensor that detects your rar is inverted and nothing else? Not say a data recorder that logs how fast you were going etc so your insurer can decline to pay out if youm were 2mph over the speed limit or could be read by the police so they can procicute you? In this country and most of the free world you can refuse to give evidance in court that may incriminate yourself, as the insurence company will own the box, you loose that right, your car can give evidence against you.

The EU idea may be to get to an accident quicker, but how does it know you've crashed in the first place and not just stopped suddenly. Anyone in Europe can dial instead of 999 (or local equivelent) the emergency services using 112, this links the phone to the scene via GPS, now my thinking is that someone on the scene will call for help, if it's you thats crashed you will do so, so what is the hell use of a black box in the car that can do the same but dosn't know if there is a problem.


The reason it will put people off buying cars equiped with a black box is that one day it will be programmed to inform the courts (forget the police) that on such and such day you were doing 65mph on a 60mph road and a fine will drop on your doormat and points automaticaly added to your "electronic" licence.
Reply
Old May 20, 2014 | 03:53 AM
  #22  
BenRNBP's Avatar
10 Year Member
Liked
Loved
Community Favorite
 
Joined: Jul 2012
Posts: 3,459
Likes: 61
From: UK, South Coast
Default

I think there are situations (airbags fired or flying through the air upside down with your hair on fire) that could sensibly trigger an alert to "the authorities" - so I take back what I said about the eCall thingy.

Although, I deal with a lot of IT interfacing of various organisations (Fire and Rescue service being one of them) it would be interesting on the actual "How" they'd convey this location information from the car to the appropriate mobilisation suite, for the appropriate first responder service.
Reply
Old May 20, 2014 | 03:55 AM
  #23  
lovegroova's Avatar
Former Moderator
20 Year Member
Liked
Loved
Former Moderator
 
Joined: Jan 2004
Posts: 24,771
Likes: 311
From: Stanmore
Default

Originally Posted by BenRNBP
The info still doesn't say what happens if you are deemed a poor driver. Which looks like that could happen if you accelerate too fast or brake too hard.

I think if I were 17 again I'd consider it so I could build up evidence about my driving, but it's just not for me at 39 years old with 22 years without a claim.
You get a discount on your monthly payment if you are a "good" driver and you don't if you're not.

Here's an excellent explanation: http://www.moneysupe...insurance-work/
Reply
Old May 20, 2014 | 03:58 AM
  #24  
calisfar's Avatar
 
Joined: Dec 2013
Posts: 239
Likes: 4
Default

Another thing not mentioned is if you do track days the unit will still be recording all of this data and if the insurance company chooses not to filter this out there is a potential for premiums to sky rocket despite driving in a controlled enviroment.
Reply
Old May 20, 2014 | 04:01 AM
  #25  
Eskiiboi's Avatar
Registered User
 
Joined: Apr 2014
Posts: 38
Likes: 0
From: Hereford
Default

I recently took out one of these policies with adrian flux, and canceled it when the box arrived.

It is about 100mm square and must be stuck to the windscreen so cant be hidden behind the tax disc as it was sold to me...

It has a system built in that records any sudden deceleration/gforce involved in crashes and automatically phones the emergency services and asks if you require assistance. You can say no, but if you don't answer it sends them automatically, and also informs your insurers 'to speed up the claims process'

If it is recording location and G-Force what else is it recording... and I'm sure from location and G-force you could work out the speed you are traveling.

All that, and it also needs charging for a few hours a month. You also actually pay £200 for the unit and once opened it can't be returned.

Safe to say, it went straight back and I got a policy without one...
Reply
Old May 20, 2014 | 04:13 AM
  #26  
richmc's Avatar
 
Joined: May 2010
Posts: 8,076
Likes: 86
From: Costa del Cornwall
Default

Originally Posted by Eskiiboi
It has a system built in that records any sudden deceleration/gforce involved in crashes and automatically phones the emergency services and asks if you require assistance. You can say no, but if you don't answer it sends them automatically, and also informs your insurers 'to speed up the claims process'

If it is recording location and G-Force what else is it recording... and I'm sure from location and G-force you could work out the speed you are traveling.
So you are driving along and some muppet pulls out and forces you to stop abruptly triggering the alert, you drive on and your mobile rings (can you see where I'm going here) You can't answer it as thats illegal, when you do eventualy find a safe place to stop you find yourself surrounded by the emergency services, now whos going have to pay the bill for wasting their time?
...informs insurers "to speed up the claims process", Last accident I was involved in was a simple back end shunt with no despute over liability, both of us were with the same insurer and that took more than twelve weeks to settle, so am I going to worry about knocking twenty minuets off the process. Come on who do they think they are pissing on.
Reply
Related Topics
Thread
Thread Starter
Forum
Replies
Last Post
Xd
UK & Ireland S2000 Community
14
Apr 6, 2009 03:51 AM
KingAir
Australia & New Zealand S2000 Owners
7
Dec 28, 2006 03:45 PM
Fletch
Car Talk - Non S2000
18
Oct 6, 2006 04:26 AM
S2000 SM
UK & Ireland S2000 Community
2
Oct 13, 2005 11:48 AM
Kobe
UK & Ireland S2000 Community
1
Feb 20, 2002 06:54 AM




All times are GMT -8. The time now is 04:51 PM.