Bell.co.uk Safe Driver Scheme

zeroXten · Sep 22nd, 2012, 13:41

Just thought I'd mention getting my insurance trough Bell.co.uk's safe driver scheme. I'm 31, but haven't owned a car for about 4 years, so no No Claims Bonus, and the car is just for family day trips with the wife and my 1 year old daughter. This meant insurance quotes for a my 2002 S40 SE 2.0 Auto were coming in at about £1200. Aviva wanted £4000 o_O

Anyway, found Bell.co.uk which gave me a quote of £600 through their Safe Driver Scheme. Its a relatively new idea. They install a GPS tracking device that looks at how far you travel, how fast, what times and how much you accelerate and brake etc (not in realtime though). You can then save even more money if you're in the top 20% safe drivers, or get a capped additional cost if you're in the bottom 20%.

Apparently you can even see how well you are doing online, but I haven't really used the car since the device was installed on Tuesday.

Has anyone else heard of this scheme? Seems to be quite a winner for drivers like me.

Marty Dolomite · Sep 22nd, 2012, 13:46

There as been a lot of talk of this on the forum especially for youger driver, I personal think it is a good idea but some seem to think it is big brother watching your every move and that the blackbox will brainwash everyone into voting Consevative and make them read the Daily Mail.

JamesV70R · Sep 22nd, 2012, 15:30

I got a quote through them through the web, and phoned up to confirm details before I paid .. and the conversation went along the lines of .. "

Op: Would you be willing to have a tracker fitted as part of the safe driver scheme?"
Me: Uh .... not really.
Op: Oh. Um. Well, they're compulsory.
Me: Then why did you ask me?
Op: Um .. Oh, your quotes loaded ... *subject change*

They were only £50 cheaper with their box fitted than Elephant were - and both quotes were with all mods declared!
I rung Elephant, they matched the quote (and then took a bit more off!), and didn't want to fit things to my car. If I wan't to have my driving graded I'll just turn on my Garmin, that can do it all for me.

Do you have to pay for the removal of the box at the end of the year? I know you're liable for any damage or tampering that happens to it. Is it visible? Will they lower your premium through the year if you drive really well, or does it just not go up?

James_N · Sep 22nd, 2012, 19:08

Sod that for a game!

OP - where do you live?! Iraq? I'm only 28 but even with zero no claims, I can insure much more exotic things than a volvo S40 for much less than that! No way i'd ever agree to have one of these dodgy boxes fitted.

You really have to shop around when it comes to insurance quotes (and I mean, everywhere, not just "comparison sites"). My insurance should be around £220 when it comes to renewal in a few weeks.

volvorocks · Sep 22nd, 2012, 23:43

Volvo2002 knows this topic inside out. Post 46.

Regards

Volvo2002 · Sep 22nd, 2012, 23:47

Quote:

Originally Posted by James_N

Sod that for a game!

OP - where do you live?! Iraq? I'm only 28 but even with zero no claims, I can insure much more exotic things than a volvo S40 for much less than that! No way i'd ever agree to have one of these dodgy boxes fitted.

You really have to shop around when it comes to insurance quotes (and I mean, everywhere, not just "comparison sites"). My insurance should be around £220 when it comes to renewal in a few weeks.

You're at the age when insurance isn't really an issue. My insurance covers the most expensive age bracket 17-24 (co-op) insurance.

volvorocks · Sep 22nd, 2012, 23:52

Quote:

Originally Posted by Volvo2002

My insurance covers the most expensive age bracket 17-24 (co-op) insurance.

Yeah,foot down - that would be you (or am I confusing you with your mother)

- your a loony behind the wheel and you are in 'that' age group...!

(only joking the keys to my Aston,as you know are available to you any time I would trust you to drive anything)!

Regards

James_N · Sep 23rd, 2012, 00:17

Quote:

Originally Posted by Volvo2002

You're at the age when insurance isn't really an issue. My insurance covers the most expensive age bracket 17-24 (co-op) insurance.

Appreciate that

My post was referring to the original poster of this topic, who is 31! He should have no reason to have a "black box" fitted to his car. regardless of NCB or not, £1600 quote for a Volvo S40 is taking the urine somewhat!

zeroXten · Sep 23rd, 2012, 10:42

Quote:

Originally Posted by James_N

Sod that for a game!

OP - where do you live?! Iraq?

St Albans

zeroXten · Sep 23rd, 2012, 10:51

I was using temporary insurance so I didn't have much time to sort out insurance. I did get a bunch of quotes, including Elephant IIRC, and only Endsleigh came somewhat close.

I don't mind having a black box attached to the car (it isn't visible). It is the same logic as using supermarket loyalty cards - they know about your purchasing habits in exchange for discounts etc. And yes, if you are a safe driver you get a further discount on your premium. And if you're really paranoid about being tracked, then APNR exists everywhere and your MNO knows almost exactly where your mobile is, not that it is a reason to give up another slice of privacy.

Personally I am more worried about government sponsored censorship and control of the internet.

Also, as you have some sort of access to your stats, it could even help make me a safer driver.

Oh and finally, it isn't tracking in realtime.

Sep 22nd, 2012, 13:41	#1
zeroXten Member Last Online: Feb 14th, 2015 21:28 Join Date: Sep 2012 Location: St Albans	Bell.co.uk Safe Driver Scheme Just thought I'd mention getting my insurance trough Bell.co.uk's safe driver scheme. I'm 31, but haven't owned a car for about 4 years, so no No Claims Bonus, and the car is just for family day trips with the wife and my 1 year old daughter. This meant insurance quotes for a my 2002 S40 SE 2.0 Auto were coming in at about £1200. Aviva wanted £4000 o_O Anyway, found Bell.co.uk which gave me a quote of £600 through their Safe Driver Scheme. Its a relatively new idea. They install a GPS tracking device that looks at how far you travel, how fast, what times and how much you accelerate and brake etc (not in realtime though). You can then save even more money if you're in the top 20% safe drivers, or get a capped additional cost if you're in the bottom 20%. Apparently you can even see how well you are doing online, but I haven't really used the car since the device was installed on Tuesday. Has anyone else heard of this scheme? Seems to be quite a winner for drivers like me. __________________ 2002 Volvo S40 2.0 SE Auto

Sep 22nd, 2012, 19:08	#4
James_N VOC Member Last Online: Jun 12th, 2024 13:52 Join Date: Jan 2006 Location: Stafford View Photos By: James_N	Sod that for a game! OP - where do you live?! Iraq? I'm only 28 but even with zero no claims, I can insure much more exotic things than a volvo S40 for much less than that! No way i'd ever agree to have one of these dodgy boxes fitted. You really have to shop around when it comes to insurance quotes (and I mean, everywhere, not just "comparison sites"). My insurance should be around £220 when it comes to renewal in a few weeks. __________________ 1997 Volvo 940 LPT Celebration. 187,700 miles, manual.

Sep 22nd, 2012, 23:43	#5
volvorocks Rodney Last Online: Aug 4th, 2016 05:02 Join Date: Jan 2011 Location: On The Street	Volvo2002 knows this topic inside out. Post 46. Regards Last edited by volvorocks; Sep 22nd, 2012 at 23:46.

Sep 23rd, 2012, 10:51	#10
zeroXten Member Last Online: Feb 14th, 2015 21:28 Join Date: Sep 2012 Location: St Albans	I was using temporary insurance so I didn't have much time to sort out insurance. I did get a bunch of quotes, including Elephant IIRC, and only Endsleigh came somewhat close. I don't mind having a black box attached to the car (it isn't visible). It is the same logic as using supermarket loyalty cards - they know about your purchasing habits in exchange for discounts etc. And yes, if you are a safe driver you get a further discount on your premium. And if you're really paranoid about being tracked, then APNR exists everywhere and your MNO knows almost exactly where your mobile is, not that it is a reason to give up another slice of privacy. Personally I am more worried about government sponsored censorship and control of the internet. Also, as you have some sort of access to your stats, it could even help make me a safer driver. Oh and finally, it isn't tracking in realtime. __________________ 2002 Volvo S40 2.0 SE Auto

Sep 22nd, 2012, 13:46	#2
Marty Dolomite Premier Member Last Online: Jun 7th, 2024 21:06 Join Date: Dec 2011 Location: Southampton	There as been a lot of talk of this on the forum especially for youger driver, I personal think it is a good idea but some seem to think it is big brother watching your every move and that the blackbox will brainwash everyone into voting Consevative and make them read the Daily Mail.

Sep 22nd, 2012, 15:30	#3
JamesV70R Forum Support Team Last Online: Yesterday 08:07 Join Date: Aug 2009 Location: Watford	I got a quote through them through the web, and phoned up to confirm details before I paid .. and the conversation went along the lines of .. " Op: Would you be willing to have a tracker fitted as part of the safe driver scheme?" Me: Uh .... not really. Op: Oh. Um. Well, they're compulsory. Me: Then why did you ask me? Op: Um .. Oh, your quotes loaded ... subject change They were only £50 cheaper with their box fitted than Elephant were - and both quotes were with all mods declared! I rung Elephant, they matched the quote (and then took a bit more off!), and didn't want to fit things to my car. If I wan't to have my driving graded I'll just turn on my Garmin, that can do it all for me. Do you have to pay for the removal of the box at the end of the year? I know you're liable for any damage or tampering that happens to it. Is it visible? Will they lower your premium through the year if you drive really well, or does it just not go up?

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