Why older drivers can save with black box

Sunday Express - - COMMENT -

au­to­matic no­ti­fi­ca­tions in the event of a crash,” Brown-Al­lan added.


Re­tired bank em­ployee David Sage, 61, from Southamp­ton, has learned sur­pris­ing things about his own driv­ing habits since tak­ing out a telem­at­ics pol­icy with SmartDriverClub.co.uk two years ago.

He has al­ways con­sid­ered him­self a re­spon­si­ble driver, but telem­at­ics has pro­vided a more de­tailed break­down of his per­for­mance on the road. “I’m ex­cel­lent on brak­ing, ex­cel­lent on night-time driv­ing, but not so good on speed­ing. I know this from my SmartDriverClub app.”

David drives about 10,000 miles a year in his Mercedes E-Class and by show­ing he was a safe driver, he has cut his sec­ond-year pre­mium by a fifth, sav­ing around £90, and is head­ing for a fur­ther 5 per cent dis­count at his next re­newal.

He said: “As a sen­si­ble driver with years of ex­pe­ri­ence, I thought it made sense to have a pre­mium that re­flected this.”

The black box was easy to in­stall: “I just plugged it in un­der the dash, and that was it.” Now he has to work on his ten­dency to drive a lit­tle fast: “If I slow down slightly I can im­prove my score and in­crease my next dis­count.”

He also ap­pre­ci­ates the peace of mind that telem­at­ics gives him, in case of car theft or an ac­ci­dent.

“If I had an ac­ci­dent SmartDriverClub would know and con­tact me to see if I needed as­sis­tance. I think telem­at­ics also works for other older, sen­si­ble drivers,” he added.


Gra­ham Gor­don, di­rec­tor of global telem­at­ics at Lex­isNexis, said its re­search shows that older drivers as­sume telem­at­ics is only for the young, but there is a grow­ing un­der­stand­ing that they can ben­e­fit, too. The cost of the tech­nol­ogy has fallen sharply mak­ing in­sur­ance more com­pet­i­tive.

“This paves the way for drivers of all ages to ben­e­fit,” he said.

Cover­box In­sur­ance as­so­ciate di­rec­tor Mar­tyne Miller said you have ac­cess to the telem­at­ics data, too: “You can use this to mon­i­tor and im­prove your own driv­ing, re­duce your in­sur­ance pre­mi­ums, and main­tain your in­de­pen­dence as you get older.”

Next time your pol­icy is com­ing up for re­newal, it may be time to think in­side the box.

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