What impact does speeding have on black box insurance?

A black box is there to reward you for safe driving and speed limits are there to protect you and other road users - so it’s important you stick to them.
 
But if you ever do find yourself creeping over the limit, with a black box installed in your car, you’re probably wondering what happens.
 
What happens if you speed with a black box?
Well, there won’t be any immediate knocks on the door from the police or a speeding ticket popping through your letterbox - unless you were caught speeding by the police or a speed camera - but it will impact how much you pay for your car insurance.
 
The safer you drive, the less you pay when it comes to these types of insurance policies - so it’s worth sticking well within the speed limit. If you go over the speed limit by 30% or more we will register this as an Extreme Speeding Event and you will receive an email, warning you that this has happened.
 
We issue two warnings if we detect you speeding - if it happens a third time, we do reserve the right to cancel your policy, which will of course affect your ability to drive and do the things you need to. If you speed at an extreme amount, your policy may also be cancelled, even if you’ve not had a warning before.
 
We do not issue penalty notices or fines but consistent speeding will impact your score - which is what we use to calculate how much you should pay to cover you while on the road - and could bump up the price you pay. So if you had a black box installed to save money, it’s not worth pushing the speed limit.
 
Of course, speed limits aren’t targets to aim for - you need to ensure you’re always driving safely. A tight corner for example, may have a speed limit of 50mph but this doesn’t necessarily mean it’s always safe to go round it at that speed.
 
What about if you drive abroad?
We understand that speed limits can be different abroad - German autobahns (basically motorways) recommend you drive at speeds of 80 mph maximum, for example - so if you’re driving on holiday in your car, this won’t impact your score.
 
Your policy will cover you in the EU but it’s also worth checking your certificate of insurance before you book any transport for your summer holiday.
 
Will black box data be shared with the police if you go over the speed limit?
No, we do not share your data with the police - unless an enquiry is made or you have been involved in a serious incident. We review your driving once a month and this creates an average when looking at your speed. It’s a good idea to keep tabs on this yourself, via your supporting online dashboard, which breaks down how you’re doing on the roads.
 
We recommend always checking the speed limit wherever you are, looking for signs to confirm how fast you should be driving and ensuring you slow down in enough time before a speed change. We want to reward you for safe driving here at WiseDriving, with lower insurance prices for staying within the speed limit.
 

Posted on May 21, 2018


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