black box insurance - about to have policy cancelled by insurer |
black box insurance - about to have policy cancelled by insurer |
Tue, 6 Mar 2018 - 23:28
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#1
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Member Group: Members Posts: 24 Joined: 17 May 2016 Member No.: 84,389 |
Hi everyone
my daughter has received notification from her insurer (she has a black box) that they are going to cancel her policy due to excessive speeding in 7 days time. Obviously if she has her insurance cancelled it will make it much more expensive to get insurance in the future. I was wondering what the situation was legally if she called up and cancelled the insurance herself before their cancellation takes effect. Will it then be the case that as she has cancelled the policy she would not need to declare this when seeking new insurance or am I just clutching at straws?! I don't want her to do anything illegal - just wondering if the scenario above was possible and legal? Thanks in advance! |
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Tue, 6 Mar 2018 - 23:28
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Tue, 6 Mar 2018 - 23:31
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#2
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Member Group: Members Posts: 25,726 Joined: 28 Jun 2010 From: Area 51 Member No.: 38,559 |
Does the notification say that they intend to cancel or that they have cancelled and that takes effect in 7 days.
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Tue, 6 Mar 2018 - 23:41
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#3
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Member Group: Members Posts: 3,306 Joined: 4 Mar 2017 Member No.: 90,659 |
She has had the insurance cancelled, and they have given her seven days notice of it due to the practicalities that she cannot have it cancelled whilst driving. If she cancels it means nothing more than both parties have cancelled.
If unsure call up a prospective insurer and ask. |
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Wed, 7 Mar 2018 - 00:13
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#4
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Member Group: Members Posts: 24 Joined: 17 May 2016 Member No.: 84,389 |
Hi. The letter actually says that it is formal notice of cancellation with effect from [date].
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Wed, 7 Mar 2018 - 00:50
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#5
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Member Group: Members Posts: 13,735 Joined: 22 Oct 2007 Member No.: 14,720 |
Hi. The letter actually says that it is formal notice of cancellation with effect from [date]. So they have cancelled, and are giving her notice of the cancellation. A bit like an eviction order effective in 30 days. -------------------- |
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Wed, 7 Mar 2018 - 00:53
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#6
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Member Group: Members Posts: 24 Joined: 17 May 2016 Member No.: 84,389 |
So i take it that if she phoned up and cancels it will be too late for her to do that?
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Wed, 7 Mar 2018 - 00:58
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#7
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Member Group: Members Posts: 6,178 Joined: 1 Jan 2013 From: Glasgow Member No.: 59,097 |
Hi. The letter actually says that it is formal notice of cancellation with effect from [date]. So they have cancelled, and are giving her notice of the cancellation. A bit like an eviction order effective in 30 days. someone being evicted in 30 days remains a tenant until that date arrives ....Re this case .You could argue that it hasn't yet been cancelled and won't be until "that date" |
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Wed, 7 Mar 2018 - 00:59
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#8
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Member Group: Members Posts: 13,735 Joined: 22 Oct 2007 Member No.: 14,720 |
So i take it that if she phoned up and cancels it will be too late for her to do that? IMHO, yes. But she can try. This post has been edited by peterguk: Wed, 7 Mar 2018 - 01:00 -------------------- |
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Wed, 7 Mar 2018 - 02:19
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#9
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Member Group: Members Posts: 6,178 Joined: 1 Jan 2013 From: Glasgow Member No.: 59,097 |
TO OP... What does the policy and or Black Box T&Cs say about what might happen re things such as speeding. If everyone had a B.B. there would be policies getting cancelled all over the place. Talk about Big Brother!!!
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Wed, 7 Mar 2018 - 07:35
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#10
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Member Group: Members Posts: 56,198 Joined: 9 Sep 2003 From: Warwickshire Member No.: 317 |
Check the data, I know someone with this issue, turns out they were on a 60 limit road right next to a 30 and the BB inadvertently thought the were speeding on the 30, if you can show them there equipment is faulty they may overturn the decision (as it could create a claim against them). If she was genuinely soeeding that excessively then a private word with her is possibly in order.
This post has been edited by The Rookie: Wed, 7 Mar 2018 - 07:39 -------------------- There is no such thing as a law abiding motorist, just those who have been scammed and those yet to be scammed!
S172's Rookies 1-0 Kent Council PCN's Rookies 1-0 Warwick Rookies 1-0 Birmingham PPC PCN's Rookies 10-0 PPC's |
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Wed, 7 Mar 2018 - 08:17
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#11
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Member Group: Members Posts: 4,126 Joined: 31 Jan 2018 Member No.: 96,238 |
The A45 at Northampton passes under a roundabout with a 40 mph speed limit
My sat-nav always triggers an excessive speed warning |
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Wed, 7 Mar 2018 - 09:53
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#12
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Member Group: Members Posts: 3,306 Joined: 4 Mar 2017 Member No.: 90,659 |
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Wed, 7 Mar 2018 - 10:35
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#13
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Member Group: Members Posts: 1,333 Joined: 28 Mar 2014 From: Corby Member No.: 69,758 |
Have they supplied information as to when and where the speeding occurred?
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Wed, 7 Mar 2018 - 10:57
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#14
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Member Group: Members Posts: 56,198 Joined: 9 Sep 2003 From: Warwickshire Member No.: 317 |
Most BB systems allow you to interrogate the data online.
-------------------- There is no such thing as a law abiding motorist, just those who have been scammed and those yet to be scammed!
S172's Rookies 1-0 Kent Council PCN's Rookies 1-0 Warwick Rookies 1-0 Birmingham PPC PCN's Rookies 10-0 PPC's |
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Wed, 7 Mar 2018 - 13:23
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#15
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Member Group: Members Posts: 350 Joined: 18 Mar 2015 Member No.: 76,324 |
I work for a company that is involved with this sort of thing, and can confirm what Rookie says, sometimes the GPS of the tracking isn't 100% accurate, and you can get pinged as being on one road near a much faster one that you were actually on. One incident wouldn't be enough to trigger a severe driving score plummet, it would have to be a continual problem over many journeys for this to happen.
@OP - had your daughter received any sort of communication prior to the cancellation notice about speeding? Having access to the systems that display insurance company communications, I can often see if a driver has been warned in regards to certain infractions. Quite often multiple warnings will then trigger an insurance cancellation. |
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Wed, 7 Mar 2018 - 17:34
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#16
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Member Group: Members Posts: 24 Joined: 17 May 2016 Member No.: 84,389 |
Hi. Having spoken to a couple of insurers they have provided quotes based on the fact that she has had a policy cancelled that are actually cheaper than when the insurance was taken out last year. So luckily it looks like she can keep on driving!
Thanks for all the advice everyone. |
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Wed, 7 Mar 2018 - 19:34
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#17
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Member Group: Members Posts: 25,726 Joined: 28 Jun 2010 From: Area 51 Member No.: 38,559 |
Hi. Having spoken to a couple of insurers they have provided quotes based on the fact that she has had a policy cancelled that are actually cheaper than when the insurance was taken out last year. So luckily it looks like she can keep on driving! Thanks for all the advice everyone. Sometimes there is a silver lining. |
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Wed, 7 Mar 2018 - 20:22
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#18
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Member Group: Members Posts: 7,235 Joined: 5 Jan 2007 From: England Member No.: 9,919 |
More insurance Co bo££ox.
A black box doesn't trump shopping around |
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Mon, 12 Mar 2018 - 01:16
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#19
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Member Group: Members Posts: 38,006 Joined: 3 Dec 2010 Member No.: 42,618 |
I've always wondered with these policies, if I get this black box thing and drive on the A2 at 130mph, how do they deal with that?
-------------------- If you would like assistance with a penalty charge notice, please post a thread on https://www.ftla.uk/index.php
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Mon, 12 Mar 2018 - 11:44
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#20
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Member Group: Members Posts: 25,726 Joined: 28 Jun 2010 From: Area 51 Member No.: 38,559 |
I've always wondered with these policies, if I get this black box thing and drive on the A2 at 130mph, how do they deal with that? They may think it a bit strange in a Picanto (or any other first time driver car) but computer will simply be checking against speed limit. |
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