Insuramce question?

[r-designbob]

Originally Posted by volvorocks

Also Bob, I think Marty Dolomite is in Southampton,relatively near? - and he is a recovery guy with a truck

Regards

Thanks Mate, was typing while you were..LOL.

[dew1911]

Originally Posted by Ninja59

Information on claims and saying that drivers are young/inexperienced are driving and need behavior changing is two different things that is what after all you said!

Yes it my affect the premium and sure it does, but even so i doubt many inexperienced drivers could afford to insure a brand spanking new jag XJ...in the soaking tailgating me @ 70....

I know there is inequality and fair deal over it, but do not suggest at any time that ALL bad driving behavior is down to young or inexperienced drivers.

Tailgating and stupid driving can be done by anyway no matter experience or age.

Or the assumption that spying on the drivers will turn everyone into saints, It'll just lead to higher premiums as every time you do something wrong that'll add a bit on, don't forget insurance companies are robbing ****s and out for one reason, to take your money and do everything possible not to give it back.

[Ninja59]

Originally Posted by r-designbob

I agree VR, anything that helps "inexperienced" drivers get value for money cant be a bad thing....surely. Plus it might make them better drivers.

This could make ANY driver a better driver not just young/inexperienced.

[Marty Dolomite]

Originally Posted by dew1911

I guess the option we're all pointing towards is, if it's not too far to move it. Do it at night, quickly.

Six points, £200 fine and the car gets impounded or pay a tow co £50 to move it.

[volvorocks]

Originally Posted by r-designbob

I agree VR, anything that helps "inexperienced" drivers get value for money cant be a bad thing....surely. Plus it might make them better drivers.

I agree.

Must admit, I myself would not like one for reasons outlined by others regards 'monitoring' 'spying' etc, although as a parent would feel an amount of relief knowing that the insurers were watching their driving behaviour. furthermore its a fair move by the insurers to reward the sensible and penalise the 'not so sensible'

Have a chat with Joe Harding as he has this fitted for his kids, and also Volvo2002 who pays only around £500 a year for an s40 1.8 at age 20.

Out of interest what was your lad paying insurance wise on the Fiesta?

Regards

[volvorocks]

Originally Posted by Ninja59

Information on claims and saying that drivers are young/inexperienced are driving and need behavior changing is two different things that is what after all you said!

Yes it my affect the premium and sure it does, but even so i doubt many inexperienced drivers could afford to insure a brand spanking new jag XJ...in the soaking tailgating me @ 70....

I know there is inequality and fair deal over it, but do not suggest at any time that ALL bad driving behavior is down to young or inexperienced drivers.

Tailgating and stupid driving can be done by anyway no matter experience or age/sex.

Wishing not to get drawn into a dispute....

Younger drivers and inexperienced drivers tend to be the highest percentage of claimaints on insurance policies? Why? Who knows. However what is known is that if this category had 'altered their driving behaviour' these claims may not have arisen in the first place. That is what the 'black box system' seeks.

Its not what I seek that is relevant, but what the insurers seek. Its kind of a factual statement!

As a budding lawyer yourself, please do interpret what I suggest in a neutral way and not let personal emotion enter the equation.

Regards
ps Jag XJ's do have fantastic brakes though......and at no time has anyone suggested young or inexperienced drivers exhibit 'bad behaviour' - simply behaviour that may need altering for the better, which in essence we all need to do sometimes in our driving life, some more so than others.

[Ninja59]

Originally Posted by volvorocks

Wishing not to get drawn into a dispute....

Younger drivers and inexperienced drivers tend to be the highest percentage of claimaints on insurance policies? Why? Who knows. However what is known is that if this category had 'altered their driving behaviour' these claims may not have arisen in the first place. That is what the 'black box system' seeks.

Its not what I seek that is relevant, but what the insurers seek. Its kind of a factual statement!

As a budding lawyer yourself, please do interpret what I suggest in a neutral way and not let personal emotion enter the equation.

Regards
ps Jag XJ's do have fantastic brakes though....

I am not letting any personal emotion into it but a fair honest interpretation of what you originally put and my experience (which i consider fair and valid).

"altered driving behavior" anyone driving badly should NOT just the group that seem to be selected out by what you have stated...the answer for the young and inexperienced is obvious it is on the tin claim wise.

The piece for lowering premiums is pure marketing do not forget these policies are available to anyone.

as for XJ's having fantastic brakes if they are to close and hit me or someone, that does not mean you can tailgate someone end of the day tyres are the bit in contact with the road.

as for your last edit that in my eyes is what you put in your original post about this in relation to Dew's comments. You have even admitted that view in the last sentence confirming my point it is not just the category highlighted.

Seems a good idea if younger, or less experienced drivers are monitored in order to alter their behaviour on the road for the better of everyone

I am not wishing a dispute more a discussion of what your original post stated, but just highlighting a fact and interpreting of what you put which to be utterly fair was picking on a "category" that are to easily assumed as bad drivers. Anyone can drive badly or dangerously.

[r-designbob]

How does the black box system work?

ie... Does one have to pay the extorted price and then run the car for a year, or can they guarantee a low cost first, as long as you have the box fitted?

[Ninja59]

GPS system and you have a web login to visit to "review" your driving in addition there is additional conditions for driving between the dangerous periods of 11pm - 5am or something like that usually for which you are charged an additional sum.

[volvorocks]

Originally Posted by r-designbob

How does the black box system work?

ie... Does one have to pay the extorted price and then run the car for a year, or can they guarantee a low cost first, as long as you have the box fitted?

Volvo2002 knows this topic inside out, so having a chat with him would be good.

Heres a link to the Co-op

http://www.co-operativeinsurance.co..../Insurance-Car

Regards