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Do black box motor insurance discriminate against shift workers ( nurses)
A young friend of ours (22 y.o, 2nd year of driving) is a newly qualified nurse, starting her first job in a major hospital.
She's looking for decent price motor insurance renewal, and says the best price she can get is £780 (8 year old Toyota Aygo) without a black box.
I suggested she might as well accept a black box, but she believes this will end up more expensive because she will often be driving late at night or very early hours because of her shift patterns.
Is she right? Surely as she declares her occupation this would be taken into account ?
She's looking for decent price motor insurance renewal, and says the best price she can get is £780 (8 year old Toyota Aygo) without a black box.
I suggested she might as well accept a black box, but she believes this will end up more expensive because she will often be driving late at night or very early hours because of her shift patterns.
Is she right? Surely as she declares her occupation this would be taken into account ?
I try not to get too stressed out on the forum. I won't argue, i'll just leave a thread if you don't like what I say. 

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Comments
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easy said:A young friend of ours (22 y.o, 2nd year of driving) is a newly qualified nurse, starting her first job in a major hospital.
She's looking for decent price motor insurance renewal, and says the best price she can get is £780 (8 year old Toyota Aygo) without a black box.
I suggested she might as well accept a black box, but she believes this will end up more expensive because she will often be driving late at night or very early hours because of her shift patterns.
Is she right? Surely as she declares her occupation this would be taken into account ?0 -
It may be taken into account, why not ask?
However, there are good reasons for regarding driving at these times to be especially risky, and these are mainly to do with other drivers rather than your friend.1 -
Car_54 said:
However, there are good reasons for regarding driving at these times to be especially risky, and these are mainly to do with other drivers rather than your friend.0 -
Has she tried Bymiles, they use a black box as such.( plugs into the OBD2 port) It just tracks the milage. Not time or driving style.
I’ve been with them for 3 years and just taken out year 4.
For me a great deal, via all the comparison web sites I’m quoted £1100 fully comp protected bonus etc and 3000 miles a year.
Don’t know why it’s so high, 10y no claims and 1 at fault claim.
Bymiles £240, plus 5.4p a mile. 3000 miles = £162, so £402 ish for the year.
If I do less miles I’m charged less.
You pay a premium for it to be insured at home up front ie £240, then you are charged per mile at the end of the month
like a mobile contract.
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Bigwheels1111 said:Has she tried Bymiles, they use a black box as such.( plugs into the OBD2 port) It just tracks the milage. Not time or driving style.
I’ve been with them for 3 years and just taken out year 4.
For me a great deal, via all the comparison web sites I’m quoted £1100 fully comp protected bonus etc and 3000 miles a year.
Don’t know why it’s so high, 10y no claims and 1 at fault claim.
Bymiles £240, plus 5.4p a mile. 3000 miles = £162, so £402 ish for the year.
If I do less miles I’m charged less.
You pay a premium for it to be insured at home up front ie £240, then you are charged per mile at the end of the month
like a mobile contract.0 -
DanDare999 said:Bigwheels1111 said:Has she tried Bymiles, they use a black box as such.( plugs into the OBD2 port) It just tracks the milage. Not time or driving style.
I’ve been with them for 3 years and just taken out year 4.
For me a great deal, via all the comparison web sites I’m quoted £1100 fully comp protected bonus etc and 3000 miles a year.
Don’t know why it’s so high, 10y no claims and 1 at fault claim.
Bymiles £240, plus 5.4p a mile. 3000 miles = £162, so £402 ish for the year.
If I do less miles I’m charged less.
You pay a premium for it to be insured at home up front ie £240, then you are charged per mile at the end of the month
like a mobile contract.
Area good, Peugeot 5008 1.6 bluehdi not a rocket ship.
Last 2 cars more powerful and larger engine hp.
Tried for quotes all round the uk and best was £750.0 -
Bigwheels1111 said:DanDare999 said:Bigwheels1111 said:Has she tried Bymiles, they use a black box as such.( plugs into the OBD2 port) It just tracks the milage. Not time or driving style.
I’ve been with them for 3 years and just taken out year 4.
For me a great deal, via all the comparison web sites I’m quoted £1100 fully comp protected bonus etc and 3000 miles a year.
Don’t know why it’s so high, 10y no claims and 1 at fault claim.
Bymiles £240, plus 5.4p a mile. 3000 miles = £162, so £402 ish for the year.
If I do less miles I’m charged less.
You pay a premium for it to be insured at home up front ie £240, then you are charged per mile at the end of the month
like a mobile contract.
Area good, Peugeot 5008 1.6 bluehdi not a rocket ship.
Last 2 cars more powerful and larger engine hp.
Tried for quotes all round the uk and best was £750.0 -
Yes, many black box policies do have stepped charges (extra charges) if they think the driver is increasing the risk, like driving at night.
Your friend needs to read the terms and conditions details carefully before committing to a telematics policy like this.
On another related point, they might want to set their profession as "hospital worker or manager" for "Health Care - NHS" when filling in quotes.
Insurance underwriters tend to understand nurses shift patterns will cause them to drive at night and load the premiums accordingly.
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Goudy said:Yes, many black box policies do have stepped charges (extra charges) if they think the driver is increasing the risk, like driving at night.
Your friend needs to read the terms and conditions details carefully before committing to a telematics policy like this.
On another related point, they might want to set their profession as "hospital worker or manager" for "Health Care - NHS" when filling in quotes.
Insurance underwriters tend to understand nurses shift patterns will cause them to drive at night and load the premiums accordingly.0 -
GrumpyDil said:Goudy said:Yes, many black box policies do have stepped charges (extra charges) if they think the driver is increasing the risk, like driving at night.
Your friend needs to read the terms and conditions details carefully before committing to a telematics policy like this.
On another related point, they might want to set their profession as "hospital worker or manager" for "Health Care - NHS" when filling in quotes.
Insurance underwriters tend to understand nurses shift patterns will cause them to drive at night and load the premiums accordingly.
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