“Big Brother is watching you…”
The famous quote from author George Orwell in his book 1984 wasn’t written with Northern Ireland car insurance in mind: but it certainly applies to its most modern form – black box car insurance.
This new form of telematics actually monitors your driving style and behaviour with the intention being that better drivers are rewarded with lower premiums. Find Car Insurance in Belfast.
“Perhaps one did not want to be loved so much as to be understood.”
Black box car insurance is perhaps more straightforward than it sounds. It sees a black box fitted into your car and it is used to assess statistics such as the speeds you travel at; how harshly you brake and accelerate and take corners; and the times of day at which you travel.
“The best books… are those that tell you what you know already.”
Clearly if you speed, brake/accelerate harshly; and travel during peak hours; then you’re considered more of a danger to insurers and your premiums would be higher: but if you drive carefully then you’re likely to be rewarded. The data reaches the insurance provider via GPS.
“We shall meet in the place where there is no darkness…”
Some black box insurance policies are designed for young drivers with curfews in mind: if they stay off the road during the night-time, when accidents frequently occur among “boy racers”, then premiums will be lower.
“Confession is not betrayal…”
Statistics from the Association of British Insurers show that drivers aged from 17- to 24-years-old are three times more likely to be involved in catastrophic claims than other drivers. This means that young motorists are punished as a group because of the reputation of their peers: even if their own driving is just fine.
Black box car insurance in Northern Ireland attempts to address this. Rather than judging everyone based on statistics, it actually records driver behaviour and so the premiums you receive will accurately reflect your profile. Just bear in mind that you’ll probably have to wait a year or more to see these discounts: once you have proven yourself as a driver.
It’s also worth noting that this form of insurance won’t work for everyone. For example, if you have a particularly high mileage; or have to drive at night because of your working hours; then chances are your premiums could be pushed up even higher. Indeed these policies can be more expensive initially too. So think about your circumstances and weigh up black box insurance alongside traditional policies.
“If you want a picture of the future, imagine a boot stamping on a human face—for ever.”
OK… I’ll admit that quote doesn’t work here! But if you do want a picture of the future, then black box insurance is definitely it: according to the British Insurance Brokers’ Association, sales of the policies have leapt by five times over the last two years: and it is expected around 500,000 policies will be sold during the next couple of years alone.
For more on cheap car insurance in Northern Ireland, check out the listings at Everything Motoring.
It’s also worth noting that this form of car insurance won’t work for everyone. For example, if you have a particularly high mileage; or have to drive at night because of your working hours; then chances are your premiums could be pushed up even higher. Indeed these policies can be more expensive initially too. So think about your circumstances and weigh up black box insurance alongside traditional policies.
“If you want a picture of the future, imagine a boot stamping on a human face—for ever.”
OK… I’ll admit that quote doesn’t work here! But if you do want a picture of the future, then black box insurance is definitely it: according to the British Insurance Brokers’ Association, sales of the policies have leapt by five times over the last two years: and it is expected around 500,000 policies will be sold during the next couple of years alone.