Cancelled More than Black Box insurance

adolphin10

Hi


My son has just had his insurance cancelled by More Than due to 'unacceptable speeding' He has cruise control so very rarely goes over the speed limit but I don't think we can fight this so does anyone have any advice of a good insurer he could try now or do we have a huge problem?


many thanks

Thrugelmir

Speed limitor may have been a better option than cruise control.

Quentin

He may find it difficult to get any online quotes from mainline Insurers now he has a cancelled policy to disclose. (,Not only to insurers he approaches but any other Insurers he is insured with as a named driver

If so, see if a local broker (not Swinton) can help

adolphin10

thanks I will get him to try - I am also checking if they gave an idea of dates as he has actually been away recently so the car was in an airport car park!

Nasqueron

adolphin10 wrote: »

thanks I will get him to try - I am also checking if they gave an idea of dates as he has actually been away recently so the car was in an airport car park!

It is worth checking this up if he had some form of valet parking/drop off deal as the driver could have been speeding but more likely he was speeding a lot and didn't admit it to you, I doubt they would cancel it for 1-2 driving issues, more a persistent unwillingness to obey the limits.

I can set my cruise control at any speed I like, it's not there to stop you speeding (beyond helping you stick to the limit in an average speed area where it's more important)

adolphin10

Nasqueron wrote: »

It is worth checking this up if he had some form of valet parking/drop off deal as the driver could have been speeding but more likely he was speeding a lot and didn't admit it to you, I doubt they would cancel it for 1-2 driving issues, more a persistent unwillingness to obey the limits.

I can set my cruise control at any speed I like, it's not there to stop you speeding (beyond helping you stick to the limit in an average speed area where it's more important)

Many thanks - there have been many times when he has come home though and then complained that the app says he is speeding and he says he wasn't on that journey - in all honesty he only ever drives around 20 miles locally per day - not much change to get up to the speed limit most of the time and of course he could be lying now but I don't think so - he could be mistaken and not have noticed though but there are a lot of posts online about marginal speeding (eg 1-2 miles over the limit) causing cancellation.


And of course I understand about the cruise control but he sets it at the speed limit when possible - he is a very good driver so I am just surprised (now if it was his sister that would be no shock!)


He has found a quote with LVE for £2000 for a year so we shall follow up on that tomorrow

Nasqueron

adolphin10 wrote: »

Many thanks - there have been many times when he has come home though and then complained that the app says he is speeding and he says he wasn't on that journey - in all honesty he only ever drives around 20 miles locally per day - not much change to get up to the speed limit most of the time and of course he could be lying now but I don't think so - he could be mistaken and not have noticed though but there are a lot of posts online about marginal speeding (eg 1-2 miles over the limit) causing cancellation.


And of course I understand about the cruise control but he sets it at the speed limit when possible - he is a very good driver so I am just surprised (now if it was his sister that would be no shock!)


He has found a quote with LVE for £2000 for a year so we shall follow up on that tomorrow

Perhaps your son is not suited to driving - a limit is a limit not a target, if he can't stick to it, go lower. If he believes the app is wrong and he's genuinely doing 30 in a 30, why doesn't he drive at 28 and report this fault to the insurer?

Unfortunately you may have to accept your son is lying to you about the speed he is doing, the app will not be recording over the limit (and/or will have built in tolerances). For reference, the speedometer by law must show a speed at or over the actual speed, it cannot read under e.g. it can show 70 when you are doing 65 but cannot show 65 when you are doing 70.

A GPS is more accurate than the speedometer particularly over a distance so if he is doing 31mph (shown on the car) he's likely doing 27-28mph, if the app says he is speeding even at 32mph, his speedometer would be showing 35-36mph.

Have you got a quote from LVE stating yes to the question "have you ever had insurance cancelled"? He will have to declare this cancellation for years and it will always be higher because of this.

stator

Could be the wrong speed limit programmed into the black box.
Ask them for the location of the breeches

rudekid48

For them to cancel he would need to have driven at 100mph or exceeded the speed limit by >50% on a number of occasions. Doing 1 or 2 mph over the limit would not result in cancellation.

rudekid48

stator wrote: »

Could be the wrong speed limit programmed into the black box.
Ask them for the location of the breeches

Speed limits are not programmed into black boxes. They are held in various databases and checked using the gps coordinates transmitted from the box.

angrycrow

Is this an actual black box wired to the car or a mobile phone app that triggers automatically.

If mobile phone app it is not unheard of for them to pick up train journeys when the train line runs alongside a road, you then get recorded doing 90 mph.