RAC Black box insurance

My insurance is with them. I’ve had no problems whatsoever. The black box isn’t that strict at all either, it seems to allow for going a bit over the limit. As long as you’re not being silly with it then it’s all good

That’s reassuring to hear. So many people seem to have problems with black boxes, it’s made me be concerned. I’d read that they can just cancel your insurance if you get three warnings or cancel it outright if you go a lot over the limit. Have you had any problems with your driver score for using the car later in the evening?

Nope. I’ve not been penalised for driving later. I’ve driven frequently around 2am and had no trouble whatsoever.

I’ve had a really good quote for RAC Car insurance but I’m a bit worried about how strict the black box will be. They say that if you get issued with three warnings they could cancel the policy!! Just wondered if any of you guys have ever used them and what did you think...

Just don't get a box....

Why do you say that, have you had a bad experience? This is what worries me. I’m trying to balance saving a lot of money with thinking I’ll get into trouble with the box.

Personally don't think no matter what company you go with a box is just awful, its just a thing thats constantly on your mind before driving/ while driving/ after driving as you want to check your score, always worried after someone pulls out or brake checks you as the box will never be able to understand why you took the action you did and just assumes you can't drive, for example if you're driving along and someone pulls out and you have to brake harsh do you think the box wont mark you down and tick it off as not your fault lol? i had one with hastings smartmiles and was awful.

If it will massively lower your insurance and you can't fork out a little more for no box then get one but just be careful as its no secret they're not accurate and hear it all the time about companies just cancelling peoples insurance leaving them spending £5k just to get insured again on a 1.0.

Thanks, you’ve kinda confirmed my fears but you’re spot on about the cost thing... it is sooo much cheaper. Think I’ll probs have to suffer it and just try and avoid getting penalised/worse still insurance cancelled 😳😳

mine also had a certain time to be in which was 10pm so i couldn't even drive it to work or anything, had to quickly respond to a family member emergency at like 11.30pm and i got marked down 25 points just for being out past 10pm for 10 min but i'm not sure about RAC.

Enjoy

I'm using one atm. Just don't drive like a t**t. Keep within limits and brake slowly. You get given a score every week. It may go down here and there, but you can improve your score by seeing where you are going wrong.
I'm not the most confident of drivers, but it's fine. Try to avoid night driving, but you CAN do it. I drive at 5am for work, it shows on my score, but it's not a huge issue. My score is still over 90%, even with faults on other things.

That’s good to hear! Maybe I’m worrying too much but I’d hate to think that my insurance could get cancelled. Previous insurance didn’t have a box, so it’ll be weird having a box checking up on me! But price counts and their quote is really good! So... 🤞🤞🤞

I don’t even think about the black box in my car anymore, I kind of forget it’s there tbh! You just get used to it. RAC are fairly lenient as well. For a while my braking score was like 35% (I blame my brother personally 😂), and my driver score went down to 70% and I didn’t get any warnings at all, so yeah, quite lenient

Like a lot of others, I just wouldn't go near them, if i couldn't afford insurance without one, i'd reconsider driving tbh

The fact that they can cancel you for pretty much anything anytime is the whole problem. You'll find plenty of newish users giving good reviews saying they've had no problems....right until the day the cancellation pops up from nowhere and suddenly all they have is problems. Above ALL ELSE, an insurance company's goal is to cover their own ass and find excuses to not pay out..a black box is a hilarious excuse generating toy for them.

I stay near a high immigration/refugee area, and I mention that because of the huge mess of driver and pedestrian habits it results in, I need to emergency stop/jink quite regular and any black box policy would have a field day with that.

I see what your saying, but I need my little car so don’t have much choice.

With respect, if you cannot afford the difference in price, how would you afford say.. a major repair to your vehicle?

I would recommend considering alternative vehicles - it is often the case that you can obtain non telematics insurance for a reasonable price simply by finding a less riskier car for your circumstances.