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Black box
Comments
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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).
CIFAS perhaps?
Regardless, are you implying you'd only need to declare something if it was verifiable, and therefore after 6 years you wouldn't need to declare a mid term insurer led cancellation?0 -
Another thread reminding me why I'll never have a black box in my car! So glad I passed before they became commonplace.
Quite. There's a valid argument that says these things are actually dangerous. In general terms they encourage driving to suit the insurance company rather than the instantaneous conditions on the road.0 -
I'm not sure they're particularly commonplace? Are there any stats on how many people are taking these policies?0
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Quite. There's a valid argument that says these things are actually dangerous. In general terms they encourage driving to suit the insurance company rather than the instantaneous conditions on the road.
Perhaps it's the cynic in me - but I've interpreted what you've posted above as "it's ok to speed"?
They encourage driving within the law. The OP's daughter was exceeding the speed limit, increasing the risk of TP property damage and PI cost in the event of a claim. Increased risk, increased rate. Continued increase risk, policy cancelled.
I'm not saying most don't speed, but those that would, wouldn't tend to have a telematics policy tracking their every move!0 -
paddyandstumpy wrote: »CIFAS perhaps?
Regardless, are you implying you'd only need to declare something if it was verifiable, and therefore after 6 years you wouldn't need to declare a mid term insurer led cancellation?
CIFAS is definitely six years. Regarding the declaration; the ICO have recently been involved in this, and from what I understand the insurance sector are being dragged, kicking and screaming, into accepting that they can't impose a lifetime condition on cancellation notifications. There have been other threads about this. I recall that they set up a d/b to register cancellations and other stuff, but then the ICO imposed the six-year limit on it. No doubt insurance industry insiders on here will have more details.0 -
Without knowing which insurer it was I can't be specific, but to invoke cancellation these speeding events will have each breached 'thresholds' and not just be for any breach of the limit. Most commonly these thresholds are set at 30% - 50% above the speed limit to trigger a cancellation or have a flat limit e.g. any speed above 100mph.
To have cancelled the policy for 4 breaches, these will definitely not have been trivial amounts e.g. 32 in a 30...All matter is merely energy condensed to a slow vibration, we are all one consciousness experiencing itself subjectively, there is no such thing as death, life is only a dream, and we are the imagination of ourselves.0 -
paddyandstumpy wrote: »Perhaps it's the cynic in me - but I've interpreted what you've posted above as "it's ok to speed"?
They encourage driving within the law. The OP's daughter was exceeding the speed limit, increasing the risk of TP property damage and PI cost in the event of a claim. Increased risk, increased rate. Continued increase risk, policy cancelled.
I'm not saying most don't speed, but those that would, wouldn't tend to have a telematics policy tracking their every move!
Child runs out in front of you, and you are under insurance company surveillance. You're already close to having your policy cancelled and one more severe breaking episode will be the final straw.......think......a split second......okay, I'll lock the wheels up. That split second of doubt might make all the difference. Okay, maybe a bit hypothetical, maybe not, but you get the drift.0 -
Child runs out in front of you, and you are under insurance company surveillance. You're already close to having your policy cancelled and one more severe breaking episode will be the final straw.......think......a split second......okay, I'll lock the wheels up. That split second of doubt might make all the difference. Okay, maybe a bit hypothetical, maybe not, but you get the drift.
Basically it's personal choice to have a black box put in and buyer has to have due diligence and research these things.
Unfortunately no grounds to appeal if not driving like on a test all the time.
Whether you drive over the speed limit or not is irrelevant. If you don't obey the black box rules, then you have no excuses.
It's not always good to go for the cheaper option"It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"
G_M/ Bowlhead99 RIP0 -
Basically it's personal choice to have a black box put in and buyer has to have due diligence and research these things.
Unfortunately no grounds to appeal if not driving like on a test all the time.
Whether you drive over the speed limit or not is irrelevant. If you don't obey the black box rules, then you have no excuses.
It's not always good to go for the cheaper option
Not sure how this addresses my post that you quoted.0 -
Just to add, I've just posed the question to my contact in our fraud team, about which database records what and the length of time it's held for.0
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