Car Insurance Costs Decided by the Car Black Box
Wed, 04/15/2009 - 02:00 — Bill
If you still have doubts about whether "big brother" is watching you, then get up to date, he's monitoring your car and assessing your insurance costs.
Your cheapest car insurance quote will now depend on a black box in your car and if you are a driver who only drives short distances and drives in non peak hours during daylight; if you take out your car at night then you'll pay a lot more.
In this the 21st.century good brainy people are inventing untold numbers and types of data collection systems which can be adapted to monitor everything possible. Concerning motoring the latest news is that before very long all cars will be fitted with black boxes and one of their main purposes will be to assess how much car insurance you will pay. Black boxes in private cars has been ongoPictureng in the USA for several years, estimates put the figure at 2 out of every 3 new cars sold.
Although this article is slanted at the car insurance side of black boxes, the data that can be collected within would make any researcher happy. However the American public have made protests about this so called invasion of privacy but it has not halted anything, indeed one result of this technological advance is that US police forces now accept the readings of these boxes to back up their officers in law courts.
What we are looking at in the UK is literally metered car insurance, if these changes come about you can forget your request for an "online car insurance quote", it's proposed that a basic monthly premium be paid then you pay for the actual number of miles you cover on the road.
This pay as you drive system is in no way perfect. To get the cheapest insurance you will need to drive in daylight and in non peak hours. If you are a night worker and you clock up the miles during the hours between midnight and 6am then you will need deep pockets.
There is one very frightening statistic which UK insurers are bearing in mind when assessing these charges and that is the fact that 40% of accidents involving young drivers during night hours results in either death or serious injury.
For how much longer will we be able to afford wishing each other "Happy Motoring"?
