SetH
Member
Registered: 15th Jul 01
User status: Offline
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After much researching decided that i could save a few hundred quid each year if i change the impreza insurance to pay as you drive.
Seeing as she only comes out at weekends and does not do a lot of miles didnt see the point of paying a huge premium to have her sitting on the drive for 300 days a year.
It worked at at deposit of £150, then i pay £24 a month if she just sits on the drive. Any mileage is charged by road type, 30/40 most expensive per mile up to motoryways being the cheapest.
peak time is midnight to 5am and 7-9am, this is where regardless what road you are on the charges go up.
RAC should be fitting the black GPS box in my car today, thus any silly high speeds will be logged 
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City
Member
Registered: 30th Dec 03
Location: Wakefield Drives: Red GSi
User status: Offline
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mate had it three days they took it off him after he went over 100mph a 'few' times
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Danny H
Member
Registered: 10th Feb 05
Location: Gilberdyke, E Riding of Yorkshire
User status: Offline
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Id hate to have one of those black boxes in my car.
Especially if it was an Impreza!
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johnhara1
Member
Registered: 19th Oct 06
Location: Newcastle upon Tyne
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whats the point in having an impreza if you cant boot it every now and then.
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willay
Moderator
Organiser: South East, National Events
Premium Member
Registered: 10th Nov 02
Location: Roydon, Essex
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Yeah wtf Seth!
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mwg
Member
Registered: 19th Feb 04
Location: South Lakes
User status: Offline
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Sod that. Would rather pay the extra to have a normal premium.
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Dione J
Member
Registered: 22nd Sep 04
Location: West Midlands Drives: Leon Cupra Turbo
User status: Offline
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Weekends or not that idea just does not make anysense whatsoever.
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nik
Member
Registered: 19th Jun 00
User status: Offline
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I'd hate that
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SetH
Member
Registered: 15th Jul 01
User status: Offline
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FPMSL, only on CS would you get uniformed replies like this, have any of you actually looked into it?
http://www.norwichunion.com/pay-as-you-drive/
I use my lupo for running around, commuting etc and pay a normal premium.
My impreza is my toy and is used purely for leisure driving at weekends, It will be going on track next year when its finished. why pay a full premium on a group 20 car when it does about 3000 miles a year?
first off if you are doing over 100mph on public roads then your a cock end off.
I dont usually venture over 80 as i have a STi type r gearbox with mega short gearing so at 80mph im doing over 5krpm in 5th.
regarding the data logged by the box, the insurance company cant turn around and say you did over 100mph we are cancelling your insurance. However if you are involved in a major accident the police can request this data as part of the investigation. If you are doing silly speeds and you cause an accident then you deserve to have the book thrown at you anyway.
for the record my normal premium is circa £1200.
with base rate and projected mileage im looking at about £700 a year. And like i said if she doesnt go out for a month ie dec/jan then its only costing me £25 a month to have it insured.
d_jay50, wether you think it makes no sense whatsoever more and more insurers and planning to do it in the near future. Car tax will be the same as well eventually, in fact id put money on that.
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mwg
Member
Registered: 19th Feb 04
Location: South Lakes
User status: Offline
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Is it not just as cheap to go with a limited mileage policy? They can be quite alot cheaper than a normal policy.
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SetH
Member
Registered: 15th Jul 01
User status: Offline
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No, not a lot cheaper to be honest. I work for NU and have friends that work for NUD dealing with insurance. Its a big myth that a 5000 mile a year policy will be a lot less than a 12000 mile a year policy, the difference is premium is a lot less then you would expect.
Why is Norwich Union offering this product?
Research commissioned by Norwich Union in January 2002 revealed that nine in ten people would prefer their motor insurance to reflect the usage of their car and the type of journeys they make - with the majority favouring pay as you go systems.
Take a look for yourself before you pass judgement without any plausible arguement.
Pay as you drive will not suit EVERYONE, but the situation im in, i am making a huge saving. drivers under 23 can benefit as well.
http://www.norwichunion.com/pay-as-you-drive/frequently-asked-questions.htm
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willay
Moderator
Organiser: South East, National Events
Premium Member
Registered: 10th Nov 02
Location: Roydon, Essex
User status: Offline
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well put seth, I look forward from hearing back from you once you have experienced their service 
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SetH
Member
Registered: 15th Jul 01
User status: Offline
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im getting the installation for free as im NU staff, as well as discount on the premium
You get itemised billing for your journeys so you can see which routes/journeys are costing you more.
go on the site, takes 5 mins to do an illustration, might surprise some of you.
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topshot_2k
Banned
Registered: 1st Dec 03
Location: Northampton Drives: Pug GTi-6
User status: Offline
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it monitors speed etc. i dont fancy crashing at 75mph then the insurcane using it in court so they dont have to pay
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SetH
Member
Registered: 15th Jul 01
User status: Offline
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can you ellaborate on that point topshot_2k? you havent really substantiated that statement with anything.
I have an tracker in my car, this is a GPS device hence could be used to monitor position, speed, direction etc, are they going to use this agaisnt me as well?
I dont fancy crashing at 75mph end of, chances are you wont be in any fit state to even make it to court after a crash at that speed.
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SetH
Member
Registered: 15th Jul 01
User status: Offline
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hold on, just had a thought.
basically what you are saying is, if you travel over 70mph then you are not insured?
so how come convential policies dont have a bit in the small print saying "if you travel over the speed limit your insurance is void"?
Why would it change now?
If you are thinking its because they have the speed readings from the GPS device the imagine the technicalities involved in accurately logging speed at time of impact let alone following the correct legal channels to present the case in court?
So effectively the estimated speed attained by investigators/police at the scene would then become void? thus they would rely on the GPS, so what about all the people without a GPS device? Wouldnt work really would it? you cant penalise the people who have the GPS device and put them in a different group to those without it in a court of law?
Heres some info on data protection :
http://www.norwichunion.com/library/pdfs/payd-data-protection.pdf
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Danny H
Member
Registered: 10th Feb 05
Location: Gilberdyke, E Riding of Yorkshire
User status: Offline
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£1 a mile after 11pm . . .  fcuk that
Wouldn't work for me on my car, but suppose its a good idea if you have another car as a runaround.
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Jules S
Premium Member
Registered: 24th Dec 03
User status: Offline
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quote:
Originally posted by SetH
hold on, just had a thought.
basically what you are saying is, if you travel over 70mph then you are not insured?
so how come convential policies dont have a bit in the small print saying "if you travel over the speed limit your insurance is void"?
Why would it change now?
If you are thinking its because they have the speed readings from the GPS device the imagine the technicalities involved in accurately logging speed at time of impact let alone following the correct legal channels to present the case in court?
So effectively the estimated speed attained by investigators/police at the scene would then become void? thus they would rely on the GPS, so what about all the people without a GPS device? Wouldnt work really would it? you cant penalise the people who have the GPS device and put them in a different group to those without it in a court of law?
Heres some info on data protection :
http://www.norwichunion.com/library/pdfs/payd-data-protection.pdf
Dont these systems automatically download all the previous 30 seconds data when an accident has occured?
Hope you decide to change that g'box before you get on track 
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Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
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It's a good idea but it's benefits are limited to certain types of people.
I'd go with more than anyway, you'd get much better service
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Colin
Member
Registered: 4th Apr 02
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I got a quote & they wanted £800 more than I paid last year & that was before installation!!!
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ed
Member
Registered: 10th Sep 03
User status: Offline
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Isn't your car modified. You can't have it fitted to modified cars.
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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Im reading the terms & conditions now!!!
Just read if you change your car they charge you a £95 for de-installation of the Telematic Device from your vehicle.
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SetH
Member
Registered: 15th Jul 01
User status: Offline
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quote:
Originally posted by ed
Isn't your car modified. You can't have it fitted to modified cars.
well the RAC engineer is here, just checked the car over and hes happy to install
try and find a classic WRX that isnt modified, anywhere? i know for a fact that most of the engineers dont have a clue what they are looking at when they inspect cars like these in relations to claims etc.
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All Torque
Member
Registered: 17th Nov 05
Location: Milton Keynes Drives: Ford Focus TDCi
User status: Offline
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quote:
Originally posted by Colin
Im reading the terms & conditions now!!!
Just read if you change your car they charge you a £95 for de-installation of the Telematic Device from your vehicle.
Fuck that
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