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Black box
Comments
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It's not a "fine" it's an increase in premium due to your daughter being a higher risk because she can't stick to speed limits. Keeping to the speed limit is a pretty basic skills and isn't difficult and there really is no excuse to do it 4 times in a month especially when she has a black box!.
You don't half talk some utter bunkum at times!0 -
Haha that's ironic coming from you!
Which part of my post do you disagree with exactly and why ?
Okay, the vast majority of drivers break speed limits from time to time to a greater or lesser extent (maybe you're perfect, but I doubt it). Four times in a month! Most people would consider that to be the epitome of self control and good driving, especially when you consider that a lot of drivers will break the limits four times or more per hour. But of course we don't know the full facts here. If the month's driving consisted of a single 30 minute journey then four infractions might seem too many, but maybe the driver did 5000 miles in the month, in which case the £100 theft and policy cancellation would be completely out of order. Your comment "there really is no excuse to do it 4 times in a month especially when she has a black box" is a knee jerk response when full facts are not available.
And - I might add - each over the limit event might have been 23 mph in a 20 limit. As the OP said, it is very easy to creep over in many of these areas. I know in my own area near Middlesbrough, the stupid council has implemented a blanket 20 mph limit on nearly all local roads. Some of these roads you couldn't do more than about 10 mph anyway, and others now have a totally inappropriate lower limit.0 -
We have 20mph limits outside schools which is fine, if I ever drove past them between 7 and 5 I'd do 20mph. What gets me is they are not variable so technically at 9pm on a Sunday night during the school holidays you would be in breach of the black box terms for doing 23mph even though there are no kids to protect and the rest of the road is 30mph.
I sympathise with the cancellation issue but being punished for 4 x breaches in a month knowing you are being monitored and have the box to lower your premium is not really unfairSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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I sympathise with the cancellation issue but being punished for 4 x breaches in a month knowing you are being monitored and have the box to lower your premium is not really unfair
Exactly this. If you know you've got one of those boxes you have to drive like you're on your test, all the time. I sympathise too but four times in a month is careless.
Easily done at 18 so I can understand you tearing your hair out over it, but she can't expect to get the cheap premium that comes with having a black box and speed (at all) - it's one or the other.
As others have said, speak to a broker as insurance for an 18 year old who's had a policy cancelled will be tricky. Unfortunately, she may then be stuck with using a broker as the current standard wording when getting insurance quotes is "Have you ever had an insurance policy cancelled?" - there's no time limit after which you no longer have to declare it.0 -
pinkteapot wrote: »Exactly this. If you know you've got one of those boxes you have to drive like you're on your test, all the time. I sympathise too but four times in a month is careless. Easily done at 18 so I can understand you tearing your hair out over it.
As others have said, speak to a broker as insurance for an 18 year old who's had a policy cancelled will be tricky. Unfortunately, she may then be stuck with using a broker as the current standard wording when getting insurance quotes is "Have you ever had an insurance policy cancelled?" - there's no time limit after which you no longer have to declare it.
Again, full facts are not known.
The surveillance database stores details of cancellations for six years, so that's the de-facto limit after which you don't need to declare it, despite what the insurance companies lie.0 -
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Okay, the vast majority of drivers break speed limits from time to time to a greater or lesser extent (maybe you're perfect, but I doubt it). Four times in a month! Most people would consider that to be the epitome of self control and good driving, especially when you consider that a lot of drivers will break the limits four times or more per hour. But of course we don't know the full facts here. If the month's driving consisted of a single 30 minute journey then four infractions might seem too many, but maybe the driver did 5000 miles in the month, in which case the £100 theft and policy cancellation would be completely out of order. Your comment "there really is no excuse to do it 4 times in a month especially when she has a black box" is a knee jerk response when full facts are not available.
And - I might add - each over the limit event might have been 23 mph in a 20 limit. As the OP said, it is very easy to creep over in many of these areas. I know in my own area near Middlesbrough, the stupid council has implemented a blanket 20 mph limit on nearly all local roads. Some of these roads you couldn't do more than about 10 mph anyway, and others now have a totally inappropriate lower limit.
Personally I really don't think it's difficult to keep at a set speed limit whether it's 20, 30 or 70. But the point I am making is that this persons daughter should have been making extra effort to not go over the speed limit considering that she has a black box.
She has taken out a policy and agreed to be monitored constantly and to pay more if she breaks any of the rules, plus to have it cancelled if she breaks the rules too often. So you can't call it theft when she voluntarily took out this policy and agreed to the terms.
But I'm definetly not perfect at keeping to speed limits and I would never have a black box insurance policy. So if you take out this type of policy then you need to realise you have to drive to every limit with careful acceleration and braking.0 -
paddyandstumpy wrote: »I didn't realise we have George Orwell contributing on this forum :rotfl:
And what you've claimed isn't correct anyway. CUE stores claims for 6 years, however anti-fraud markers on the databases like Hunter and SIRA aren't capped to 6 years.
I think they might be. As I recall, there's another BB database recently established which logs, amongst other things, cancellations, and it has a six year limit (can't remember its name at the moment).0 -
Another thread reminding me why I'll never have a black box in my car! So glad I passed before they became commonplace.0
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