I was dreading the annual car insurance reminder. There had been enough scare stories in the press so I was fearing the worst. Each year my then current insurer's rates go up and I sit down in front of the computer screen to search for the best quotes.
Frankly I was getting nowhere. Every insurer was either more, much more or about the same as my current insurer's quote; and that I thought was painful.
Then I came across "Insure the Box". The rate was significantly less than any of the competitors. "There must be a catch." I thought. So I did a bit more digging.
OK, I have to have a box installed in the car (it's free and fitted free). This tracks your journeys, the time of day you drive and most importantly how you drive. Some people might think Big Brother but I thought "That's neat; especially as they'll track you're car if it's stolen and notify the police!"
Your insurance quote is based on a yearly mileage of 6,000 miles. If you drive more in a year you can top up your miles; and you can earn bonuses (and be given penalties!) depending on how and when you drive.
Since I drive less than 6,000 miles, I don't drive much at night and I never burn my tyres - I'm a plain, ordinary steady driver. Their ideal customer!
Customer service. Fantastic. A while back I ran over a curb - I'd just taken the cat to the vet and I was distraught and distracted. No damage, just a bump.
About 5 mins after I got home, the phone rang. It was the insurers. "Are you alright?" I was asked. "Yes" , I replied. "Good", the quiet voice at the other end continued " We'd registered a jolt and were just checking that you hadn't had an accident. Have a pleasent evening."
For a careful, run of the mill low mileage driver tthey're a shoe in
The box in the car...if that sort of thing worries you.