I know it's been covered here before but now NU have implemented it.
www.orange.co.uk/news/topstories/2269.htm?linkfrom...7
It could save a fortune on multi car households
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Just having a look at the cover on NU website. One of the clauses for exclusion is:
Your car is not an Audi A8
Why?
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Tried the NU website this morning for a PAYD quote-went through 1001 questions and then it said it couldn't give me a price and I had to phone. Did a normal NU car quote (900 questions) and this gave me a price straight away.
Can't be bothered to phone up and speak to some foreign call centre so I'll leave it!
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One of the clauses for exclusion is: Your car is not an Audi A8 Why?
I imagine an incompatibility with the NU GPS.
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Just having a look at the cover on NU website. One of the clauses for exclusion is: Your car is not an Audi A8 Why?
Guess:
Because an Audi A8 is aluminium and the box won't work. Boss of mine had an A8 and his mobile wouldn't work in it, had to have a special aerial.
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interesting snippet..........would that be the same for the newer Jag XJ then?
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And XK. The Jag XJ and new XK are aluminium along with the A8, it could be that alu construction is the issue or it could be an A8 specific incompatibility.
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Hugo - I am either being very dull (likely) or don't understand the NU scheme (very likely) but I don't see how a multi car household is going to save money! Each car will have a black box and each one will be chraged for being on the road, rates depending on when and where. How is that going to a moneysaver? Standing by for correction and enlightenment!
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And who wants an Insurance company snooping on your movements and whereabouts - sound too much like Big Brother again rearing its' ugly head, I'm afraid to say.
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runboy - me too -loads of questions and then no quote.
I also noted a large warning that as my annual mileage was more than 8,000 pay as you drive would probably not save me any money. As with all these things it's when you check the small print the truth comes out.
My mum does about 4,000 miles a year, as a result her insurance is £106 - this scheme probably wouldn't save her money either.
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I remember being interested in this last year, but the pound per mile rates after 11pm put me off. I enjoy driving at night, and it's mostly motorway anyway.
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if you were to be doing, say, 80mph on a relatively clear motorway and be unlucky enough to be involved in a shunt that otherwise was not your fault....would said 'black box' be used to incriminate you with the speed? would it invalidate the policy?, would the other party be entitled to the information at court?, disclosable to the old bill?
tad too Orwellian for me
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Even looking at their cheapest off peak urban fee per mile - 4p - that's £600 alone for typical 12k a year driver. And that's off-peak only. Insane.
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[Nissan 2.2 dCi are NOT Renault engines. Grrr...]
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And who wants an Insurance company snooping on your movements and whereabouts - sound too much like Big Brother again rearing its' ugly head, I'm afraid to say.
True, they'll be carrying me off in a wooden box before I put a black box in my car. I bought a car for the freedom that motoring gives, not to be monitored or restricted. I don't want Sat-Nav for the same reason, I use a map to just road signs to work out where I'm going and I've never got lost yet (I have gone a little out of my way a couple of times though ;-)).
I don't see how anybody will save money having PAYD on their main car.
E.g. I do 8000 miles a year, mostly cummute to work, and paid £226 fully comp including legal, PNC & hire car on my 2005 Mondeo TDCi, so if they're charging FROM 4p a mile peak and From 1p of peak, nearly half my mileage is am peak time so the MINIMUM charge would be say 3500 at 4p and 4500 at 1p = £185 plus the monthly charge, let's guess at £5 month (£60), totalling AT LEAST £245 a year and probably extra for PNC, legal & hire car. No way Hosay.
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Hugo - I am either being very dull (likely) or don't understand the NU scheme (very likely) but I don't see how a multi car household is going to save money! ............
In our household we have 3 vehicles. One is used seldomly but is actually needed for when we do use it. At the moment I pay some £250 per year fully comp. Depending on what our pay per mileage works out as, I could save quite a bit of cash.
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I can see its benefits, but only to a limited amount of road users. I thought it might have been a worthwhile venture for myself, because I only do about 6000 miles pa and travel outside of the rush hours, frequently in the evenings and at night. However, after watching the BBC news this morning, it turns out this wont be the case.
Granted, I only do a limited amount of driving after 11pm, but I don't like the feeling of being restricted by my policy. Similarly, I wont be able to make much use of the motorway fee, as my nearest stretch of motorway is about 26 miles (or 35 minutes) away and I have very little need to use it, so perhaps there will be geographic considerations too.
Having a look at the NU website, traveling just 50miles per month during 11pm-6am, they calculated that my policy would be a staggering £1016. Charging £1 per mile 11pm-6am and 3.17p at all other times. Considering that I only paid £465 for this years policy, I won?t be considering PAYG car insurance.
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Roberson - further to my earlier post indicating my lack of understanding of the NU system - why would you want to 'make use' of the M way charges? Surely they are way higher than the nearby, less convenient and slower A roads?
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If not the Audi A8, presume not the Audi A2 too-both full aluminium body cars.
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If not the Audi A8, presume not the Audi A2 too-both full aluminium body cars.
A2 not mentioned, nor Jags hence perhaps an A8 specific incompatibility.
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AS - According to NU, motorways would bring some of the lowest cost-per-mile fees, as its "10 times safer than low speed urban roads". Therefore, motorways would be charged from 1p per mile and urban routes, 4p per mile. I'm also unsure about the fees for A roads, but I have a feeling these could carry their own, different fee. As far as I was concerned, all roads carried the same fee, the only change in price was related to the time in which they were used. By the time you factor in your own age and policy type (tpft etc), then A roads may be charged differently to motorways and urban routes.
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Roberson - thanks for that. I had got myself confused with the possible charge rates being mooted for Pay as You Drive congestion charge type stuff where peak hour motorway use might be £1/per mile. Obviously NU insurance rates would work on different parameters and, as you say, should refelct the apparent lower accident reates on M ways. Goes to sit down and read a book about Alzheimers!
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I got a daft quote for 3000 miles a year. Included was 40p a mile motorway and 3.18 a mile on single roads with 20,30,40mph limits.
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i wonder if reliant robins car or robin reliants car is suitable for this sky and pie charge
..........outside now? no its raining ;-o
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I'm struggling to envisage a scenario in which it would actually be possible to save money insuring in this way rather than the traditional method.
The only one I can think of would be for those who have a second ("fun") car that only got used at weekends or in the summer and did maybe 2,000 miles a year as an absolute maximum, and I'm not even sure about that.
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Probably wouldn't save money on a classic or fun car either, as you can get deals for limited annual mileage policies.
JS
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Just told it that my parents live in Spain that's bafled it. Designed for low use urbanites.
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i am with ecar insurance. i do the PAYD scheme. it was an extra £7 per month then an annuel cover, but they give you 1 years no claims after 8 months of doing this scheme.
im happy
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I got a quote for pay as you drive... almost £4000/year (that was their estimate). This years insurance cost me less than £400 including breakdown cover etc. It sounded like a good idea to me, but I was obviously wrong.
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Mmmmm, quoted me £166, only paid £152 this year so don't think I'll bother.
Also baffled as to why it assumes I'll be doing motorway mileage when I don't think I've ever taken my car on a motorway, the wife's car and the van, yes, but my car never, and it doesn't fit with the profile that I gave them of 4000 miles a year and mostly journeys of 5-ish miles with nearest motorway 20+ miles away.
Also interested that the dearest roads are those with 20, 30 and 40 limits, thought speed kills........
I'll leave quietly by the back door....
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I have just renewed with Norwich Union for a cost of £232. Their first quote on PAYD shot up to £326. Re-adjusting the miles-per-road per category to what I actually require dropped this to £270.
Not for me then.
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The only scenario where it would save money would be if the black box thought the vehicle was stationary most of the time at home and only used on the odd short trip somewhere. The fact you've got the box surrounded in tin foil for the other 99% of journeys should render it quite a money saver ;-)
Imagine being not well enough and finding that an emergency trip to a sick relative was going to cost you £200 because they needed you late at night? Unless they put a limit of normal insurance costs per month and tell you upfront there is no way I'd want it. It would be impossible to calculate the rate you were paying before you did the trip so it isn't exactly like other PAYG schemes where you'd always know eg mobile phone charges. Driving after 11pm is now only so dangerous because there aren't any traffic police to keep the drunks and the criminals off the roads.
teabelly
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Well worh reading the article in today's Thunderer (online edition). Perhaps take it with a pinch of salt. I want insukt the Mods by posting a link.
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im 21 with 4 years ncd
i just did a quote for a laugh and it was £530 PA which was around £200 more anyway but if did 500 on peak motorway miles it went to £5300
it was £100 a mile for driving on the motorway in the day time
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it was £100 a mile for driving
Bloomin 'eck !
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I want insukt the Mods by posting a link.
Want, or won't?
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teabelly wroted.........
Driving after 11pm is now only so dangerous because there aren't any traffic police to keep the drunks and the criminals off the roads.
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>>>>>>>>>>>.
.>...............>...........
that is so true but i thought only i thought it
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I'm sure my Mondeo is well suited to this piece of eletronic junk which I would never dream of fitting.
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I meant to quote oldman's three-wheelist post in the above, if it dosen't make sense.
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If you wanted every driver in the UK to have a black box fitted to measure speeds etc you could either make them do it (very difficult) or get them to want to have one under the guise of some minor benefit.
Don't think I'll be seeking a quote anytime soon.
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I think you have to pay for the privilige of having this box fitted I think the spokesperson said £50.
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I think you have to pay for the privilige of having this box fitted I think the spokesperson said £50.
I wonder how long before someone markets a device to short circuit the box on e bay.....
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Another "shot itself in the foot" move by NU, same as when they publicly announced that they were putting their premiums up earlier this year, in the hopes that other insurers would follow suit.
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>> I think you have to pay for the privilige of having >> this box fitted I think the spokesperson said £50. >> I wonder how long before someone markets a device to short circuit the box on e bay.....
Couldnt you just leave the box sat at home and rigged up to a 12V power supply. How would it "know" that it isnt in the car?
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They would if you crashed 30 miles away.
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Young people aged 18-23 will get lower premiums if they don't drive at night. So in a few years time we'll have lots of 24 year-olds with no experience of night driving, causing a higher accident rate! Would an insurance company go to such lengths as PAYG insurance unless they were making more money out of it? Not likely.
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