cross-posted from: https://lemm.ee/post/13854229
A mum had to take action to prove not every road in Wales has a 20mph speed limit after an insurance firm voided her son’s insurance policy.
Welsh television presenter Jess Davies explained that her younger brother saw his car insurance voided as a result of the vehicle’s black box recording his speed and seemingly deciding he was constantly exceeding the speed limit. It meant their mother had to take some unusual steps to show the firm that not every road in Wales now had a 20mph speed limit.
black box what?? we don’t have such nonsense here. why is there a black box in a car? is it a cheaper insurance thing or a government thing? every car now needs one?
We do have them in the US but they are optional for cheaper rates for insurance.
The box is in your car whether or not you select Telemetry Insurance. Unless your car was built pre 2005ish. It varies by manufacturer.
The data gets used after an accident. You tell them you weren’t speeding, but they’ll know exactly how fast you were going and how you maneuvered.
That’s a different box. Insurance companies don’t have access to that black box unless the car has an accident. But they might give you another box to plug in if you want a discount.
Correct, and to add to that, they’re not allowed to use it in reverse to raise rates on you, only discounts.
So much for all the EU consumer friendliness!
Insurance companies will install them for cheaper insurance. With car insurance being incredibly high for young drivers, £1000+ a year, most people effectively have no choice for the first few years.
Eventually you’ll get enough years “no claims bonus” to get decent insurance offers without a box.
All cars have had them for a long time now, but Insurance companies don’t have access to them, at least not in the US, only dealers do. They’re probably actually referring to the OBD things that (may) offer a discount to people.
ty u all for the info. now i know 👍