I also wish I didn't believe what you've just typed here... But unfortunately I do.AlleyCat wrote: ↑Wed Dec 09, 2015 12:52 pmPersonally i wouldn't touch insurance of this type if i could avoid it.
If it was purely used for insurance purposes and i didn't think it would be used to "stack" the already loaded deck some more then I'd probably not be bothered.
My somewhat cynical mind believes that once it gets enough traction in the market place it will be a "wedge" device.
So Initially it will be for insurance.
Then it will be sold to marketing companies who will spamvertise you based on your travelling patterns.
Then the government will decide it's a wizard way of tracking people and insist it be retained under some variation of "RIPA" to protect us from "threat of the week".
Then it will be compulsory in all new cars even if the insurer you are with isn't using it.
O and finally it'll auto fine you for breaking the speed limits.
I wish i didn't half believe what i just typed.
I'll put my tinfoil hat back on now..
Also @Dave, regarding your insurance, I would probably go with an insurance policy which does not use telematics/a "black box" if it were me personally because of the above reasons as well as the fact that I do not feel comfortable with insurance companies tracking my every move and where I'm driving at all times.
If this does not really bother you, then a black box insurance might not be such a bad thing. If you are an OAP then it may actually give you some more peace of mind on the roads - not sure about Germany, but over here in the UK a lot of drivers are certainly unfair/too harsh on elderly drivers. One of my neighbours' parents were in quite a nasty motorway crash a few years ago, not at fault in any way whatsoever (also luckily neither of them sustained any serious injuries), and the other driver was apparently swearing her head off trying to blame my neighbour's dad.
A black box may just help you out if anyone thinks they can make fraudulent claims against you and get away with it because of your age, or if anyone tries to pull a crash for cash scheme on you etc.