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at £1400 last year my insurance is expensive. Partly due to living in a city and using on street parking but mostly due to my age (<25). My mother, who had th

at £1400 last year my insurance is expensive. Partly due to living in a city and using on street parking but mostly due to my age (<25). My mother, who had the same model, paid £250. The 15% discount for taking a black box still isn't worth it for me however.

gambiting 9y ago
I drive a car with 380bhp, so while the insurance without the black box is about £300 more than the one with it, I'm pretty sure it's not worth getting the box. I pay about £1000/year at the moment.
Spooky23 9y ago
Wow! Being part of a late 30s couple with pretty boring driving history in a small city pays I guess. I pay like $700-850 (depending on how you break out umbrella liability cost) for maxed out coverage in an above average cost US state. I think I paid around $1200 when I was a dumb kid with tickets. :) Even if there were siginifciant savings, it wouldn't be worth it to me to have that kind of telemetry being gathered. It can only be used against you in a accident situation.
- gambiting 9y ago
  Over here there's no choice in the limit of cover - EU mandates that every car insurance has to cover 5 million Euro in personal damages and 3 million in property damage. The only "optional" thing is whether you want to get comprehensive insurance which covers your own car for the damage caused by yourself - but 3rd party liability is always set to that 5 and 3 million by law. I guess you could buy some specialist insurance which would cover more but unless you are planning on crashing into multiple Bugatti Veyrons, it's pretty much impossible to hit that limit.
  - lanaius 9y ago
    Interesting, that's nowhere near the level of insurance (it's significantly higher) than what even non-cut-rate insurers will recommend for most drivers in the states. After changing providers, we pay $1400 for two cars with $100,000/$300,000 (individual/total) injury and $100,000 in property coverage.
    - Spooky23 9y ago
      I think a big difference in the US is that there's usually no fault for personal injury, so the liability is pooled.

gambiting 9y ago

I drive a car with 380bhp, so while the insurance without the black box is about £300 more than the one with it, I'm pretty sure it's not worth getting the box. I pay about £1000/year at the moment.

Spooky23 9y ago

Wow! Being part of a late 30s couple with pretty boring driving history in a small city pays I guess. I pay like $700-850 (depending on how you break out umbrella liability cost) for maxed out coverage in an above average cost US state. I think I paid around $1200 when I was a dumb kid with tickets. :) Even if there were siginifciant savings, it wouldn't be worth it to me to have that kind of telemetry being gathered. It can only be used against you in a accident situation.

gambiting 9y ago
Over here there's no choice in the limit of cover - EU mandates that every car insurance has to cover 5 million Euro in personal damages and 3 million in property damage. The only "optional" thing is whether you want to get comprehensive insurance which covers your own car for the damage caused by yourself - but 3rd party liability is always set to that 5 and 3 million by law. I guess you could buy some specialist insurance which would cover more but unless you are planning on crashing into multiple Bugatti Veyrons, it's pretty much impossible to hit that limit.
- lanaius 9y ago
  Interesting, that's nowhere near the level of insurance (it's significantly higher) than what even non-cut-rate insurers will recommend for most drivers in the states. After changing providers, we pay $1400 for two cars with $100,000/$300,000 (individual/total) injury and $100,000 in property coverage.
  - Spooky23 9y ago
    I think a big difference in the US is that there's usually no fault for personal injury, so the liability is pooled.