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Provisional Marmalade Targeting 1 Million New Learner Drivers Every Year

Provisional Marmalade is targeting at the 1 million new learner drivers every year.

The Driving Standards Agency recommends at least 22 hours of private practice – Provisional Marmalade is a simple, cheap and popular insurance which enables a learner driver to practice in a family car without risking the insurance of the car owner or their No Claims Bonus.

Sounds ambitious, but if the future predictions for the growth of black box insurance is to be believed then they very well reach that number.

What do you think?

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Sheilas’ Wheels Model Driver What They Say.
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Sheilas’ Wheels Broker was set up in November 2011 to provide insurance for those risks that Sheilas’ Wheels could not cover.

Sheilas’ Wheels  seeks to encourage drivers to develop increased awareness of their driving behaviour by sending alerts of “extreme driving events”, which can be used to prove dangerous driving or warn customers about elements that might affect their insurance policy.

What do you think? Is their system any good?
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Talk about iKube / What iKUBE Say
« Last post by Head Honcho on December 08, 2013, 09:48:03 am »
What iKUBE Say
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iKube, is the UK’s longest running black box insurance provider. They are a subsidiary of  Towergate Europe’s largest independently owned insurance intermediary. Offering over 200 specialist insurance products, underpinned by strong relationships with some of the UK’s leading insurance companies. They say that they are committed to providing customers with insurance they can trust.

What do you say?
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General Discussion / The empty restaurant syndrome.
« Last post by Head Honcho on December 08, 2013, 09:09:58 am »
The Empty Restaurant Syndrome.

You know what it is like, you are in a new town walking down the street and are looking for something to eat, you are looking through the windows of the restaurants as you pass. You walk by one restaurant, it looks new and shiny but there are only a few customers, you move on. You come to another restaurant it is a bit tatty on the outside, as you look in the window and you see that there are only a couple of seats left, you immediately make the decision to go inside based on the fact that you think busy equals good.

You get ushered rather ungraciously to the last remaining seat in a corner near the toilet. You look through the menu, there is only a basic menu with limited choice, you make the choice picking what you think would be the nicest thing on the menu.

You sit there looking around the place hoping for a nice meal in pleasant ambient surroundings, it reality you have been waiting over an hour, the restaurant is loud and noisy, you are feeling hot and bothered and the meal when it does arrive is awful.

You leave, disappointed, unfulfilled and  frustrated thinking that you were sure that this restaurant would have been the best choice.

As you walk by the new restaurant you stop and look at the menu in the window, there are a few people in now, the menu looks appealing, you think "I wish that I had gone in there now." however you have had your hunger diminished but not your appetite for good food.

Frustrated you walk home reminding yourself to check out the new restaurant next time that you pass.

The Black Box Insurance Forum is just that, a new restaurant, in a new town.

Come in grab a seat, sit down,  we are a friendly bunch, sample the menu, join in the conversation, create your own, become a regular.

We will always have something on the menu that will appeal.

Please give us a little time to grow though, share our experience, tell your friends, grow our community, it is only you that can turn this establishment in to a world class experience.

Regards,

Iain
15
General Discussion / Black Box Insurance Are You For or Against?
« Last post by Head Honcho on December 05, 2013, 11:32:43 pm »
Black Box Insurance Reviews – The First Stop For YOUR Vote
Where do you stand in the great black box debate, are you for it or against it?

There is no hiding place, if you drive it will affect you, the decision is simple.

You are either FOR or AGAINST- Black Box Insurance

 Have your say with our interactive poll
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Black Box Insurance Reviews / CO OP Young Driver Insurance Review
« Last post by Head Honcho on December 05, 2013, 10:49:25 pm »
CO OP Young Driver Insurance Review

The Co-operative Insurance say that they are committed to young drivers and improving the safety of the UK’s roads. They believe that by giving young drivers the opportunity to log into their individual Driving Dashboard to see how their driving is rated and to access safe driving tips that will act as an educative tool and a deterrent against bad driving.


CO OP Insurance Group are a solid reliable company with years of experience behind them, their first venture into the black box insurance market is with CO OP Young Driver Insurance. CO OP Young Driver Insurance is ideal for young drivers between 17 and 24. It aims to help reduce insurance premiums through responsible driving. Their Young Driver Insurance is designed to give a fair deal to young drivers who drive safely. By installing a Smartbox that works like GPS to record your driving behaviour, they can then calculate a safer driving score which could save you money.

Now there’s a way to cut the cost of car insurance for young drivers – and reward safer driving at the same time!

The Co-operative Young Driver Insurance offers safer driving discounts – thanks to Smartbox and its state of the art, ‘Pay-How-You-Drive’ in-car technology.

Earn Safer Driver Discounts through driving more responsibly – premiums may increase depending on the driving style.

Earn standard No Claim Discount.

Small, smart and installed for no additional cost, Smartbox works a bit like GPS or sat-nav and tracks driving behaviour.

And the opportunity to earn a Safer Driving Discount every 90 days means the safer the driving, the lower the premium!

Premiums may also increase, depending on the driving style.

Online dashboard is available for policyholders, available to view 24/7 and updated daily with their score. This includes tips on better, safer driving to help keep them on track for a discount.

Smartbox is a fairer deal for parents who might be paying for the policy. Plus it’s fairer for young drivers who can now drive smart, drive safe and pay less!


CO OP Young Driver benefits at a glance:

Online Dashboard

    You will get access to your own online Dashboard. This will show how you are driving against the Safe Driving Parameters of speed, acceleration/braking, cornering and the time of day. It also allows you to view, download or print your insurance documents – no more waiting for the post.

A range of optional extras

Choose additional cover to suit your needs such as Breakdown cover, Key cover, Gadget cover and Legal Expenses (in association with Co-operative Legal Services Limited)

Named drivers earn their own No Claim Discount

Named drivers over 19 can earn their own No Claim Discount to use on a Co-operative car insurance policy. So when they take out their own car insurance policy, they don’t have to build it up from scratch. Terms and conditions apply, see policy summary for details.


Now there’s a way to cut the cost of car insurance for young drivers – and reward safer driving at the same time!

The Co-operative Young Driver Insurance offers safer driving discounts – thanks to Smartbox and its state of the art, ‘Pay-How-You-Drive’ in-car technology.

Earn Safer Driver Discounts through driving more responsibly – premiums may increase depending on the driving style.

Earn standard No Claim Discount.

Small, smart and installed for no additional cost, Smartbox works a bit like GPS or sat-nav and tracks driving behaviour.

And the opportunity to earn a Safer Driving Discount every 90 days means the safer the driving, the lower the premium!

Premiums may also increase, depending on the driving style.

Online dashboard is available for policyholders, available to view 24/7 and updated daily with their score. This includes tips on better, safer driving to help keep them on track for a discount.

Smartbox is a fairer deal for parents who might be paying for the policy. Plus it’s fairer for young drivers who can now drive smart, drive safe and pay less!

Earn Safer Driver Discounts through driving more responsibly – premiums may increase depending on the driving style.

Earn standard No Claim Discount on top.

Smartbox fitted for no additional cost when you take out a policy.

Smartbox is a theft tracker for extra peace of mind.

Fully comprehensive policy.

Courtesy car when using one of our network of repairers for insured repairs.

Windscreen repairs and replacement.

Online dashboard allows policyholder to see whether they’re on course for a discount.

Email updates every 90 days on driving style and safer driving score.

Online dashboard offers tips and advice on safer driving.

Pay upfront or monthly by direct debit.

‘Your Data – Our Promise’ charter offers you complete peace of mind about how we use your data.
   
All documentation available online including Certificate of Motor Insurance.

Available to young drivers with their own car, young couples and parents insuring their children on their vehicle.


Black Box Reviews – Opinion

Black Box Insurance Review Rating 90%


CO OP Young Driver Insurance  have been rated number three in our opinion as they are one of the UK’s leading insurance brands. They are not the most reviewed, talked about and searched name when it comes to black box insurance. However they are a big name in insurance and although this is their first venture into black box insurance they will come out of the blocks sprinting. Personally were I eligible and between 17- 25 I would choose this company as it is a good bet, if you are looking for a solid reliable company with years of experience behind them that they look the best bet as far as I am concerned in that sense. Not quite as dynamic as insurethebox but a good bet nonetheless. However you make your own mind up and go for the provider that suits your needs best.

Do not worry we will be monitoring them.

Get a Quote From This Provider

If you have used CO OP Young Driver Insurance and have something to say, please feel free to leave your comment or review i
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Black Box Insurance Reviews / Hastings Direct SmartMiles Review
« Last post by Head Honcho on December 05, 2013, 10:36:33 pm »
Hastings Direct SmartMiles Review

Hastings Direct Launched in 1997 offering customers private car insurance, their product range has been extended to include home and motorcycle insurance, as well as a full range of additional products, such as motor breakdown cover. Hastings Direct have only recently launched Smartmiles, a policy that is designed to offer excellent savings for young and new drivers who are safe behind the wheel. With up to 36% savings and no curfews.

 
Hasting Direct Smartmiles benefits at a glance:


    No night-time curfewsthumbs up 150x150 Hastings Direct SmartMiles Reviews
    FREE theft tracker worth £466**
    Handbag cover
    Earn No Claim Discount
    Uninsured driver promise
    Legal cover included as standard
    Vandalism cover

Why choose SmartMiles?

    You get hints and tips to help you improve your driving
    You can earn discounts for your renewal based on your driving behaviour plus No Claim Discount
    You can monitor your driving with access to your online personal dashboard
    You can access your documents and manage your policy online
    FREE theft tracker worth £466

 
Is SmartMiles Right For You?

    Aged 17+ years
    Want the opportunity to save money on your car insurance
    Happy for our approved installers to fit a SmartMiles box into your car
    Will drive less than 10,000 miles in the next year
    Mainly drive between 5am and 10pm

Black Box Reviews – Our Opinion

Black Box Insurance Review Rating 95%

Hastings Direct Smartmiles have been rated number five in our opinion, although Hastings Direct Smartmiles have only just recently entered the market they look like being one of the top players in the black box insurance market. Scouring the web I have found a few comments both positive and negative but nothing that cannot be put down to the fact that this is a new type of insurance and there will be problems with installation, assessment and running of this system. All of the newly emerging telematics insurance companies will no doubt go through teething problems before this type of insurance is fully established.  Hasting Direct overall as a company seem to be pretty average and this is where I would probably rate Smartmiles at present. As the knowledge and buzz about them grows we shall find out. If you want a good safe average bet, I would recommend Smartmiles.

Do not worry we will be monitoring them.

Get a Quote From This Provider


If you have used Hastings Direct Smartmiles and have something to say, please feel free to leave your comment or review
18
Black Box Insurance Reviews / iKUBE Insurance Review
« Last post by Head Honcho on December 05, 2013, 10:21:30 pm »
iKUBE Insurance Reviews

iKUBE Insurance Review – iKube, is the UK’s longest running black box insurance provider. They are a subsidiary of  Towergate Europe’s largest independently owned insurance intermediary. Offering over 200 specialist insurance products, underpinned by strong relationships with some of the Uyoung marmalade iKUBE Insurance ReviewsK’s leading insurance companies. They say that they are committed to providing customers with insurance they can trust.

iKube can prove that not all young drivers should be classed as reckless or irresponsible. By using the millions of miles of data collected through their black box technology, iKube have already rewarded 75% of those who renew this year purely based on driving well. This reward is a behavioural discount on top of any no claims discount earned. iKube offer a straight-forward, simple way to reduce insurance premiums. In return for driving well and staying off the road after 11pm iKube rewards young drivers with a safe driving discount.


iKube Benefits at a Glance


Discounted young drivers (17 – 25) insurance premiums for safer driving – Did you know that, statistically, driving late at night, mainly amongst young drivers, is when major accidents are more likely to occur? This is why iKube have tailored their young drivers’ insurance policy to offer young drivers car insurance premiums as long as they agree to stay off the road between the hours of 11pm and 5am.

Earn your own no claims discount on your young driver car insurance – This is your car insurance policy, not your parents. As long as you don’t get into an accident or need to make a claim against your young driver insurance, you’ll get a whole year no claims when you come to renew your policy.

Breakdown cover as standard with all iKube young driver insurance policies – Breakdown cover actually comes as standard with all young driver insurance policies to ensure you’re covered should your car breakdown whilst on the road.

 

Young Drivers Insurance – Advice For Parents

Every parent wants their teenager to have their independence; however, at the back of your mind there is always tsave iKUBE Insurance Reviewshe nagging concern over their safety whilst out driving due to the dangers.

As a result these risks mean that the cost of car insurance for young drivers can be very expensive. Sometimes it’s so expensive you simply can’t afford for them to drive.

iKube understand that, as a parent, you will go to any lengths to ensure your child’s safety which is why we have designed our young drivers car insurance to help reduce the dangers as well as cut down on the cost of car insurance for young drivers.

They are able to offer discounted car insurance to young drivers who stay off the road between 11pm – 5am (the “red hours”). The reason for this is because, statistically, young motorists are more likely to be involved in a serious accident during this time. As long as they stay off the road during the “red hours” they’re seen as less of a risk and therefore eligible for discounted car insurance.

The way they measure this is through their telematics tracking device.  It tells the insurer whether the car is being driven during the red hours or not. If it is the policyholder incurs an additional £100 premium on their insurance policy for each night they’re on the road during this time. What a great incentive to stay off the road late at night.

 
Black Box Reviews – Opinion

Black Box Insurance Review Rating 80%

iKube have been rated number seven in our opinion as although the UK’s longest running black box insurance provider, they do not have the impact or buzz expected by a company who are that well established. Ikube look like becoming a big player and I know they have stuff in the pipeline therefore I have no doubt that they will grow and expand in the black box insurance market. Scouring the web I have found several comments both positive and negative but nothing that cannot be put down to the fact that this is a new type of insurance and there will be problems with installation, assessment and running of this system.

All of the newly emerging telematics insurance companies will no doubt go through teething problems before this type of insurance is fully established and iKube are no worse than any other provider. Indeed the fact that they are part of the Towergate group means that they should have the resources to sort out any teething problems and quickly as they are reported. Personally were I eligible and between 17- 25 this is the company that I would have a look at. However you make your own mind up and go for the provider that suits your needs best.

Do not worry we will be monitoring them.

Get a Quote From This provider



If you have used iKube and have something to say, please feel free to leave your comment or review in the section below.
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Black Box Insurance Reviews / Find Your Best Black Box Insurance Provider
« Last post by Head Honcho on December 05, 2013, 10:13:31 pm »
Find Your Best Black Box Insurance Provider

You can find out as much as you can about this new type of insurance and how it will impact on you and you can find out which of the top rated black box insurance providers (who have been independently reviewed and ranked by us in order of the quality and cost of the service that they provide) best suits your needs.

The aim of this website is to help you to understand the technology and also compare the various products available.

Black Box Insurance ReviewsWe use various methods to achieve our rankings, we read all the opinions and comments that we can find from across the various forums that mention black box insurance, we study each provider and assess what they offer each customer, we assess the parent company and how they perform in the mainstream insurance market and we study the reviews that they have in this sector.

We generally look at the market as a whole and see what the trends are, who is creating the buzz, who has the greatest social impact, who is getting the most search traffic and we base our ranking on this criteria.
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Say Hello / Hi, I am Iain MacSween founder of BlackBoxInsuranceReviews.com
« Last post by Head Honcho on December 05, 2013, 09:46:27 pm »
Hi, I am Iain MacSween founder of BlackBoxInsuranceReviews.com

The aim of this site is to keep you up to date on the latest black box insurance news and information, to give you a place to air your views and let you see what others are thinking via our polls. Should you choose to purchase black box insurance which is also known by many different terms including Telematics Insurance , GPS Car Insurance, Smartbox Insurance, Pay As You Drive and Usage Based Insurance (UBI) a place where you can get an unbiased review of the major black box insurance providers as uploaded by you the policy holders.

Introduction how the site works

You can pick from the top rated black box policy providers as rated by customer review scores.

Big Brother may well be watching us but Black Box Insurance Reviews will be “watching big brother very closely.” (Quis custodiet ipsos custodes? – Who will watch the watchers?) is our logo. You can play your part in making sure that all the black box insurance providers play fair and offer the best service that they can.

You can do this by interacting, by reading the feature reports, by understanding the facts and forming your opinions, by writing your reviews and expressing that opinion and by letting others know of your experience with your black box insurance provider be it good or bad.
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