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AIG box clever trial

lismed

A friend of mine has just got his first insurance on a car with the AIG box clever trial, he's a 24 year old with a provisional license with no driving experience. His insurance cost 2 grand less than any other company would quote him. I'm just wondering if anyone has any experience of this or what do ye all make of it? (Can't enclose a link but the terms are easily available on google)

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LawlessBoy

Was it with boxymo? I know AIG underwrite their policies

lismed

I'm not sure but from what I have seen the only condition is that he does not go over the set km/yr allowance he cannot be penalised. They will track his driving habits but these won't affect his premium but just just be kept for research purposes. I'm curious as to whether anyone has had this policy before

billy few mates

lismed wrote: »

A friend of mine has just got his first insurance on a car with the AIG box clever trial, he's a 24 year old with a provisional license with no driving experience. His insurance cost 2 grand less than any other company would quote him. I'm just wondering if anyone has any experience of this or what do ye all make of it? (Can't enclose a link but the terms are easily available on google)

How much did his insurance actually cost him....?

lismed

billy few mates wrote: »

How much did his insurance actually cost him....?

1070, fully comp on a 1.4 petrol golf.

mickdw

I'd be very wary of signing up to such a system.
You say he cannot be penalised based on driving recorded.
Can he be refused cover based on what they see?
Can they pass this info to other parties?
Can future renewals be based on driving as observed?

Even if this info cannot be used to increase premium, should an accident occur, all details would legally have to be made available and as such this device could result in a serious conviction if excessive speed was found to be a factor.
Would be just as well be on the phone to the insurance company and the Gardai telling them everytime you go over the limit.

catmack

what's the latest with this. I am thinking of getting it. I have over 35 years of driving in USA and they quote me insurance that I could purchase a small third world country. Seems like a good deal, I am a low mileage, Church lady driver lol.

Alanstrainor

catmack wrote: »

what's the latest with this. I am thinking of getting it. I have over 35 years of driving in USA and they quote me insurance that I could purchase a small third world country. Seems like a good deal, I am a low mileage, Church lady driver lol.

If you've rung around to as many insurance companies and brokers as you can find and AIG is still the cheapest with this blackbox then maybe it's worth it to you. I know I wouldn't have one installed in my car, purely because I would be against the idea of an insurance company having a tracking device on at all times. But I concede that others wont have the same reservations.

catmack

Well, what is the problem with it if you aren't doing anything wrong? Who cares if they track it. If an intent is bad it will come to light sooner or later. I have never had such a heartache and pain in the rear and neck trying to do anything in this country without having to jump through hoops of fire. I notice that drivers are for the most part very careless and can drive 80mph up to a stop sign or do 120km on a country road with sheep and God knows what else. How can it be that that given my experience here that a lot of drivers for the most part are bad and dangerous, I see it on my bicycle. It would seem to me that given all the bs you are put through that most drivers would be exemplary, not so. I can tell you I was just about ready to forget about ever driving again till I saw about this option through Chill, I suppose it is underwritten by AIG. I had to come back and take care of my mother with Alzheimers and I know that's my issue and problem; I don't blame anyone for having to do so, but it would be nice not to have to pull teeth with every little thing in this place. I just want to be able to visit my mother in her nursing home and go to the store. A bicycle gets old and the weather is not great a lot of the time. What is the problem you see with it. I am not going to be raiding rural homes gangland style. I am prior law enforcement I don't care what the gard know or don't know about me. It seems the law abiding, conscientious person gets the shaft around here. Sorry just venting it has been like looking for the Holy Grail for me.

CiniO

There's no option on earth, I would let insurer put something like that in my car.
No way!!!!

catmack

But why?

catmack

I am in the forum, my email message said I had to visit the forum?

CiniO

catmack wrote: »

But why?

Because they can spy on me with that. They can check where and when I'm going.
They can see my driving habbits which they might not like (extreme speeding, heavy accelerating, braking, big G forces on bends, etc...)

It's none of their business.

grogi

CiniO wrote: »

Because they can spy on me with that. They can check where and when I'm going.
They can see my driving habbits which they might not like (extreme speeding, heavy accelerating, braking, big G forces on bends, etc...)

It's none of their business.

Actually it is exactly their business - to access the risk

catmack

Well, if I were you then I guess I wouldn't want it either, I don't care what they think about my driving and where I go. Big G forces on bends though is funny lol

Allinall

catmack wrote: »

But why?

Hi catmack,
I wouldn't worry at all about having that in your car- especially if it saves you a lot of money.
If I was in your position I would do it no bother.
Once you don't drive like an idiot you have nothing to worry about.
I think there's a lot of slightly paranoid people here. -:)

Copper_pipe

Boxymo also install a box in your car

Allinall

CiniO wrote: »

Because they can spy on me with that. They can check where and when I'm going.
They can see my driving habbits which they might not like (extreme speeding, heavy accelerating, braking, big G forces on bends, etc...)

It's none of their business.

Too bloody right it's their business.

[Deleted User]

CiniO wrote: »

Because they can spy on me with that. They can check where and when I'm going.
They can see my driving habbits which they might not like (extreme speeding, heavy accelerating, braking, big G forces on bends, etc...)

It's none of their business.

The owner of aig doesn't give a flying **** if your in bray enjoying the sun or on leeson street after midnight looking for fun

All he wants is his money from you and if you're driving like a spanner around town then you deserve to pay more.

If you drive normal and don't act like an idiot then you can enjoy cheaper insurance.

If anything id support a black box in all cars and cameras as a mandatory thing for when it comes to accidents etc.

jca

I had the option of downloading the driving app from 123 insurance and use it for the month of february. If I got a good score I got a 10% discount on renewal in May. It sure made me sharpen up my driving when I got some shocking scores on my first few journeys. I think they're a great idea. If everyone had one in their vehicle irish roads would be a much nicer place to be.

mgbgt1978

CiniO wrote: »

Because they can spy on me with that. They can check where and when I'm going.
They can see my driving habbits which they might not like (extreme speeding, heavy accelerating, braking, big G forces on bends, etc...)

It's none of their business.

Practically all Irish Insurers charge an extortionate premium for 1st timers (regardless of age in most cases).
If an Insurer is prepared to give a driver a chance to prove that they are conscientious and lawabiding before screwing them for Thousands of Euro's every year why would you not see this as progress in this country ?

.....and if you come back and tell me they do it differently in Poland, :P.

catmack

Thanks for affirmations. I was starting to think I was crazy to even think about it!

CiniO

grogi wrote: »

Actually it is exactly their business - to access the risk

Well, I dont' like them to assess risk on spying on my driving.
And that's why I'd never let them do it.

They can assess my risk on my driving history, which is 17 years driving without causing any collision which would attract insurance loss.
They can base my driving on that.

CiniO

Kopparberg Strawberry and Lime wrote: »

The owner of aig doesn't give a flying **** if your in bray enjoying the sun or on leeson street after midnight looking for fun

All he wants is his money from you and if you're driving like a spanner around town then you deserve to pay more.

Why?
Insurance should be based on risk.
Fact how someone drives, doesn't represent a risk.
Driving and claim history does.

If you drive normal and don't act like an idiot then you can enjoy cheaper insurance.

If anything id support a black box in all cars and cameras as a mandatory thing for when it comes to accidents etc.

I'd also support black boxes in every car, but ones which can be accessed only after the accident happens.
If someone casuses accident, then their driving deserve to be checked.

CiniO

jca wrote: »

I had the option of downloading the driving app from 123 insurance and use it for the month of february. If I got a good score I got a 10% discount on renewal in May. It sure made me sharpen up my driving when I got some shocking scores on my first few journeys. I think they're a great idea. If everyone had one in their vehicle irish roads would be a much nicer place to be.

What is causing bad score on those apps and how can you score good?

CiniO

mgbgt1978 wrote: »

Practically all Irish Insurers charge an extortionate premium for 1st timers (regardless of age in most cases).
If an Insurer is prepared to give a driver a chance to prove that they are conscientious and lawabiding before screwing them for Thousands of Euro's every year why would you not see this as progress in this country ?

Well, considering how deep sh1thole the Irish car insurance market is, then yes - chance for affordable cover for young people is better than no driving at all.

But...

.....and if you come back and tell me they do it differently in Poland, :P.

They do it better in Poland ofcourse.

grogi

CiniO wrote: »

Why?
Insurance should be based on risk.
Fact how someone drives, doesn't represent a risk.
Driving and claim history does.

You are mixing cause and effect here.

Kristopherus

catmack wrote: »

Thanks for affirmations. I was starting to think I was crazy to even think about it!

You could try this crowd. They have policies specifically for workers living abroad. www.clements.com

catmack

I am resident in Ireland, clements is for workers in Ireland and other countries.

Kristopherus

catmack wrote: »

I am resident in Ireland, clements is for workers in Ireland and other countries.

Ah, I thought you were working here.

kirving

The problem with the box is that all it can basically do is assess your speed, and even that isn't very accurate in certain situations like roundabouts or 270 degree motorway entrances.

51kph in a 50 zone? Thats speeding in the eyes of a computer analysing your driving, and you could be marked down for this.