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.
Almost like having companies track everything you do is not a good idea and easily raises many false flags that are hard to correct.
What do you mean? Just because that set themselves up with a one click “accept all terms” agreement that gives them the ability to be judge jury and executioner? How could that be bad?
Contrary to popular belief you cannot just make new rules as you like in terms of service. There are boundaries what is okay and what isn’t. But you still should be careful with them of course.
contrary to popular belief, people and corporations regularly break boundaries and laws to see what they can get away with.
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?
Do know the diagnostic port in your car they plug into if your check engine comes on? It can read your car systems in real time as well, and insurance companies will offer you a discount for “good driving” if you keep their dongle plugged in so it can send all your car info back to them.
It can go both ways though, hence the article.
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.
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.
Here’s how it works in the US, not sure about UK.
Most car insurance companies have an optional monitoring system. If you opt in, you’ll be given a device to place in your car. This device sends data about your driving habits and location data to the insurance company. The company’s algorithm rates how safely you’re driving and gives you a discount based on that.
Telemetry Insurance. That part is up to the consumer, but the boxes exist in all cars now. They are usually reviewed after accidents to check the environmental conditions, like speed/braking, steering etc. Manufacturers have had to comply since the mid 2000’s and some took until the mid teens.
