Some insurance black box info.. VERY GOOD INFO

[AntscVTR]

I saw this on Pistonheads and thought I would share it with you guys as I'm sure some of you have been curious about the way insurers can monitor your driving with one of these GPS Tracking Devices fitted.

How does it work if more than one driver shares a car? Is there a way of storing information from more than one driver, for example, via a PIN-based login system?
"Technically this is feasible, but if the insurance policy tracks how the vehicle is driven to assess the risk on the car then the insurer needs to know how the car was driven regardless of which named driver was in the driving seat."


Is there an appeals process if a driver thinks they've been unfairly 'marked down' for something they claim not to have done?
"If the GPS logs excessive speed (involving hundreds or even thousands of data points) you can be sure it happened. Because the system is automated we do not expect mistakes, but extreme cases could be investigated. However experience reveals that where such claims have been investigated the vehicle has typically been taken and used without the owner's knowledge."

http://www.pistonheads.com/news/defa...?storyId=27214

I wonder how long it will take for the GPS data to be sold to the government/police? That will be a seriously big contract much like our personal information that's traded today..

[Rossp]

moved to vehicle insurance section.

[Manu]

Originally Posted by AntscVTR

how long it will take for the GPS data to be sold to the government/police?

naive much? Companies already share information between themselves.

[L33h]

Id never have one of these fitted to my car. Takes all the fun out of driving

[smiith]

Lol why would it be sold to the police? There is no way of proving anything "you're getting 3 points because the GPS data shows your car was going 120mph"

"wasn't me driving"

"who was it?"

"don't know, left my keys at home and someone else used it"

No one admits it.. Not enough evidence to take to court, points dropped.

[monka]

Surely that's exactly the same as getting a speeding ticket and saying you don't know who was driving, the points go to the main driver/owner as the car is their responsibility

[Jigs2895]

Coupled with the fact they are incorrect half the time. My blackbox last year reckoned I drove across the English Channel to Paris and back going 178mph...

[tastysombrero31]

Mines terrible too. I did 2 emergency stops in a week and got a warning for braking yet it lets you barrel along at 90 in a 60 and gives you perfect for speed. To be honest, i'd recommend getting one for your first year cause quotes were half what non-spy box insurers wanted and the 1.1 is barely fast enough to alert it anyway haha

[SimpleJoee]

Originally Posted by Jigs2895

Coupled with the fact they are incorrect half the time. My blackbox last year reckoned I drove across the English Channel to Paris and back going 178mph...

Made me lol
Maybe you just don't remember doing it?