Tuesday 17 April 2012

Insurance black box

So you've heard of Aircraft black boxes. Now many insurance companies are offering you the chance of a black box for your car! Now don't be concerned, it isn't a little box that will record everything you say in the car so that in the event of a minor prang, you are put to death for having said "cheese" on your way to the supermarket.

The black box records speed, time, location, and G forces as you are driving the car - which is then fed back to the Insurance HQ.  If you are proved to be a driver who sticks to the speed limits, and doesn't go round corners at 60mph then your insurance price will stay low. It also depends on how much mileage you do, and where and when you drive too.  If you are a normal driver who mostly sticks to the speed limits, and goes round corners at a practical speed then this black box arrangement is not for you.  You will get penalised for bad driving, even though you are actually perfectly safe.  for example if you were stuck being a 20mph driver on a 60mph limit, and overtook them - the G forces recorded would put you down as a dangerous driver, even though in actual fact the 20mph was the dangerous one!

So, when should you get a black box?  If you are a practical, but safe driver who enjoys driving then don't bother.  If you only drive to the shops once a week on a Monday afternoon, religiously stick to 5mph under the speed limit, and drive a car that's capable of accelerating from 0 - 60 in 2 months, then this is the deal for you!

One day all of us will be made to get one, and that will be the time when driving will no longer be fun, but a massive bore. Super Cars will no longer exist except for track days, and the worlds economy will suffer because everyone is taking 2 hours longer to get to work. 

No comments:

Post a Comment