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More than Smart Wheels Car Insurance Watch

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    Hi,
    So I've basically bought Smart Wheels insurance as it was the cheapest at £1350, the next cheapest was £2020 but still with black box. I just read some reviews and they are all really negative like why do they keep cancelling? Has anyone had any good experiences?
    With out black box I think it will be around £3000 which I cant afford. What should I do?

    Thanks
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    (Original post by Truee123)
    Hi,
    So I've basically bought Smart Wheels insurance as it was the cheapest at £1350, the next cheapest was £2020 but still with black box. I just read some reviews and they are all really negative like why do they keep cancelling? Has anyone had any good experiences?
    With out black box I think it will be around £3000 which I cant afford. What should I do?

    Thanks
    This thread should be in Cars and Motoring - tagging AngryJellyfish to move it.

    All black box insurance is generally to be avoided, but I've heard from the grapevine that MoreThan is the worst of them all.
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    I have more than smart wheels with a black box and they are fine. Havent had any problems. Been with them for 6-7 months now and they have even given me some money back for good driving
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    (Original post by FireSt0rm)
    I have more than smart wheels with a black box and they are fine. Havent had any problems. Been with them for 6-7 months now and they have even given me some money back for good driving
    That's great to hear. Thank you
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    (Original post by FireSt0rm)
    I have more than smart wheels with a black box and they are fine. Havent had any problems. Been with them for 6-7 months now and they have even given me some money back for good driving
    My daughter is with more than smart wheels and has on a couple of occasions gone over the speed limit by 2/3 mph, her most recent one was about 6mph over the 20mph speed limit and it was literally just for less than a min. Would they consider this as the excessive speeding that they put in there policy . In general she has an overall score of 8.5, I’ve just heard so many stories of how they cancel policies without warning
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    (Original post by Sarebear79)
    My daughter is with more than smart wheels and has on a couple of occasions gone over the speed limit by 2/3 mph, her most recent one was about 6mph over the 20mph speed limit and it was literally just for less than a min. Would they consider this as the excessive speeding that they put in there policy . In general she has an overall score of 8.5, I’ve just heard so many stories of how they cancel policies without warning
    Less than a minute at 26mph is just short of half a mile. Going 26 in a 20 zone is potentially dangerous - maybe you could discuss and advise your daughter about the importance of being more careful with her driving speed as well as checking the insurance.
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    One of the cheapest insurers but you get penalised for smoothness of driving (if in busy traffic you get penalised because its stop/start), penalised for short journeys, penalised for too many journeys in a day (a journey ends each time you switch the engine off) and penalised for driving after 23:00. Very difficult to keep your score up.
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    (Original post by IWMTom)
    Less than a minute at 26mph is just short of half a mile! Going 26 in a 20 zone is ridiculous - you should be discussing her attitude to speed rather than worrying about insurance!
    She was going round a parked lorry at the time , said driver of lorry decided to pull out as she was doing so without indicating or even checking, so it was either speed up or let him crash into her. Her “attitude to speed”is very good and I would be discussing it further with her if it was a constant problem! I can see ur views on black boxes is very dim but unfortunately we are not in the position to afford insurance without one as she is only 17. And like I said her speed is normally very good as I have the app so can regulary check up on how she is driving .
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    (Original post by Sarebear79)
    She was going round a parked lorry at the time , said driver of lorry decided to pull out as she was doing so without indicating or even checking, so it was either speed up or let him crash into her. Her “attitude to speed”is very good and I would be discussing it further with her if it was a constant problem! I can see ur views on black boxes is very dim but unfortunately we are not in the position to afford insurance without one as she is only 17. And like I said her speed is normally very good as I have the app so can regulary check up on how she is driving .
    If it's not a constant problem, it's very unlikely for the insurance company to give a damn. They don't really care about one off events, more consistent bad driving. If she was say, consistently breaking 20 limits by a degree of 30%, then they would be looking into policy cancellation.
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    My policy is with Marmalade and I've also got a black box, a lot of the reviews for that company were negative as well so I was hesitant when taking out my policy. But everything's been fine and I haven't had any problems with my box (been driving almost a year now), like people would complain that after 6 months or so it would be giving them red journeys constantly so their insurance would get cancelled, I was super scared about that because I'm not a bad driver, but like I said mine has been fine. You never know unless you take the policy with them! But I think you'll be fine with your policy as long as you don't drive like a looney.
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