The Student Room Group

Black Box Speeding

Hello All.
I was wondering people experiences with the leniency of Black Boxes. More specifically, the recording of speed. I had the box fitted by an engineer for roughly 2 months now, and I have been getting good points all around.

The other day, my friend who was driving in front of me deliberately slowed down, because he wanted me to try and overtake him, as I went to overtake my friend just sped up, its a little joke that we tend to do but this time it was in a 30 zone, that turned into a 20 zone. And I think I was doing around 35-40mph before I realised and harshly braked.

Yes I know its a stupid thing that many of you will complain about me doing it but everyone speeds every now and then and has a laugh and joke about things.

Anyways its stated in the terms that "We reserve the right to cancel your policy if the speed is 20mph or above the speed limit.
Now I think that I was doing under 40mph but I could never be too sure, it was in the heat of the moment kind of thing so I wouldnt remember. But I do remember looking at the speedo and it read around 37mph, but once again, I could never be too sure.

I was wondering now if Id get a cancellation notice sent to my house or email if I was doing an excess of 20mph over the speed limit, or if I'd just get threatened for a cancellation and "If you do it again we'll cancel" type deal.

Ive read other discussions where people haven't had a problem and maybe if it was a consistent issue then you would get threatened, and besides I think car speedo's might show faster figures than the actual speed that I am travelling at, as waze usually say im doing 37 when im doing about 40.

Thanks!
Car speedometers are often set a bit high, so if it says 40 you prob doing 38ish. A main issue with blackbox insurance is you just don't know, could get a cancellation letter any day.

Stop driving like a clown though, if you're joking about with your friends car you're clearly not paying proper attention, demonstrated by zooming into a 20. It all can stop being funny in a moment.
Reply 2
Original post by StriderHort
Car speedometers are often set a bit high, so if it says 40 you prob doing 38ish. A main issue with blackbox insurance is you just don't know, could get a cancellation letter any day.
Stop driving like a clown though, if you're joking about with your friends car you're clearly not paying proper attention, demonstrated by zooming into a 20. It all can stop being funny in a moment.

Noted
Yes, your speedometer will be higher than what waze is telling you. Your insurance company will more likely send you a warning letter on the speed you were going, and anymore, they will cancel it. Though they can cancel it now if they think you're not taking it seriously as they do reserve the right to cancel.
Reply 4
Original post by Faultybot
Yes, your speedometer will be higher than what waze is telling you. Your insurance company will more likely send you a warning letter on the speed you were going, and anymore, they will cancel it. Though they can cancel it now if they think you're not taking it seriously as they do reserve the right to cancel.

I do hope they think I take it seriously, I get good points for my driving, just some instances where I may do silly things such as this.
Reply 5
Original post by StriderHort
Car speedometers are often set a bit high, so if it says 40 you prob doing 38ish. A main issue with blackbox insurance is you just don't know, could get a cancellation letter any day.
Stop driving like a clown though, if you're joking about with your friends car you're clearly not paying proper attention, demonstrated by zooming into a 20. It all can stop being funny in a moment.

Agreed. I love messing around with friends but if you're running some then the track is the place to do it. Anyway, seems like OP recognizes their mistake - after all, I've also done my fair share of dumb things...


OP, if you do get a cancellation letter i believe they have to inform you 7 days in advance before they actually cancel the policy. You'd be best off cancelling the policy before they do. You will lose any NCB you may have accumulated for that year, but that's much more preferable over the alternative of having to declare cancelled policies.

One of my friends polices got cancelled for doing a 90 in a 50 in a 1.2 Corsa (yes I'm as surprised as you that they can even go that fast) and now he has to declare that - forever. He renewed his insurance earlier on this year for £6k (with blackbox) as his cheapest quote. Yikes.
Reply 6
Original post by Anon2463
Agreed. I love messing around with friends but if you're running some then the track is the place to do it. Anyway, seems like OP recognizes their mistake - after all, I've also done my fair share of dumb things...
OP, if you do get a cancellation letter i believe they have to inform you 7 days in advance before they actually cancel the policy. You'd be best off cancelling the policy before they do. You will lose any NCB you may have accumulated for that year, but that's much more preferable over the alternative of having to declare cancelled policies.
One of my friends polices got cancelled for doing a 90 in a 50 in a 1.2 Corsa (yes I'm as surprised as you that they can even go that fast) and now he has to declare that - forever. He renewed his insurance earlier on this year for £6k (with blackbox) as his cheapest quote. Yikes.

Yeah Ill definatly cancel before they do if push comes to shove, Who was your friend with if you dont mind me asking, and did he get previous warnings for speeding before this one instance where your friend did 90mph in a 50
(edited 1 month ago)
Reply 7
A friend from uni.

He didn't get previous warnings no - blackbox companies reserve the right to cancel at any point if you elect to go over the speed limit over a set amount (usually 20mph over).

If its usually "minor" speeding instances they would send you annoying texts saying "you've achieved a red score for speeding! " or "You need to slow down". They usually escalate this to "We might have to cancel your policy if you keep speeding" and "This is your last chance" or something similar.

That was my experience with tesco bank box - and when I phoned up and asked them where I was speeding, they had the gall to say "we've recorded you going 21/22 in a 20 multiple times". F**king seriously?

I learned my lesson and tend to stay well away from blackbox policies now. I'm happy to pay extra to avoid those borderline harassing text messages and anal limits.

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