Last September i got a letter through my door about 'Pay as you drive' insurance from Norwich Union.

Basically they fit a tracker in your car, then you pay per mile you drive, and at the end of each month you get an itemised bill, to show where you have been, how long you took and how much it cost.

the whole point in this was because my quote for the year was about £800 yet i realised on the pay as you drive, would be about half that!

i currently pay 3.5p for every mile i drive, with the first 100 miles a month free.

Now for the catch...... if i drive between 11pm - 6am it costs me £1 a mile! which i think is extausionate! but to be fair i dont drive my car between them times, or very rarely anyway.

at the moment i pay aproximatly £30 a month insurance. which aint bad for a 20 year old girl, driving nearly 3 years with 2 years no claims.

have a look on this thread:
https://www.fiatforum.com/leisure-lounge/72012-young-drivers-curfew.html?highlight=insurance

it was a bit of a debate to say the least.....

why thankyou for that info, ive had a read through luckaly Noriwch union dont have the £25 fine on my policy!!

another thing as well is if it logs where you have been and how far you have travelled im pretty sure it will be able to detect speed , not i dont think thats a good idea if you was to have an accident , whats to stop them them saying well he was doing 35 in a 30 at the time of the accident we are paying out as he was breaking the speed limit ?

G101

hollypop said:

at the moment i pay aproximatly £30 a month insurance. which aint bad for a 20 year old girl, driving nearly 3 years with 2 years no claims.

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How many miles do you drive?

Last year I drove an IG10 car, 15,000 miles, 2 years ncb, 4 years driving and it cost me about £700. Take into account being female and driving a much lower risk car I'd estimate a standard premium of around £400 for £10k

i only drive about 6k a year, i dont even use my car for work anymore, as i now walk.

my insurance in due in october for renewal, and i am deciding on weather or not to take on the PAYD again or get a normal poilcy.

the PAYD is costing me about £30 a month. and the insurance quotes i have been getting (20yr old female, driving 3 years with 2 years NCB) are about £580 so at the moment it seems cheaper to stay with the PAYD

just stick a lead box over the top of the gps bit. or im sure fiat being so well built will have some interferance from the engine that will screw the thing up anyhow. just read the manual and it says not to use mobile phones in the cabin due to the signals interferance.. hehe

Are you not worried the data recorded could be abused? There is nothing stopping a disgruntled employee finding out exactly where you drive and either stalking you or doing your car over when he/she knows you'll be in a vunerable place.

Hellcat said:

Are you not worried the data recorded could be abused? There is nothing stopping a disgruntled employee finding out exactly where you drive and either stalking you or doing your car over when he/she knows you'll be in a vunerable place.

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That would be my second biggest worry tbh, my biggest would be that someone hacks into their computer and alters the details to say I drive 5000 miles a day.

Congratulations hollypop, you've succumbed to the ultimate big brother and you are now part of an experiement which will see every motorist in the country forced to fit a tracker to their car which will allow the authorities to see exactly where they go, when they go, how fast they drive, etc, etc, etc. Where will it stop? Next step will be automated fines for speeding/parking offences and everyone being billed for tax and insurance according to road use.

Personally (and I know this is strong, but I stand by it) I think that anyone who allows a company or authority to fit one of these bloody things to their car is an idiot. My recommendation for you is that you immediately sell your car, join the Green Party and start using public transport. Alternatively you could start thinking about things more deeply than you do at the minute and realise that no company is out to save you money, they want to make money, and if you think that Norwich Union are doing you a favour by fitting your car with this device you are sadly deluded.

:yeahthat:

Plus I'm sure you could have got a quote for under £360 on a panda for 6k miles domestic and pleasure use only. I've been quoted around £500 for my Tipo 16v 2000 on a limited mileage policy. That's with No NCB, a few choice modifications and I'm a young male. You really can't have been trying hard with your quotes.

Why have they chose 11-6, is the middle of the night a dangerous time to be on the road ? I would have thought it was a safer time. :s

aparently between 11pm and 6am the the times most younger driviers are likely to speed because the roads a quiter hence crashes.

as for my insurance quote i am 20 year old with 3 years drivie and 2 years no claims i have no points on my licence and where i live is classed as the city centre (on street parking) i do 6k miles per year and do not use my car foor work the cheapest quote i can find (using money supermarket first of all) was from quickfit at £557

i have since then been to asda, tesco, ecarinsurance and various other place and none of which have quoted me lower than £557. if anyone can find me it cheaper then please tell me as i need to sort out insurance before 11th october.

now as for the tracker in my car i tend not to speed and am a sensible driver so so what if they are using the information to see how fast i am going and where i am parking. anybody who plays above the law wouldnt / shouldnt have a problem with this as i have nothing to hide personally.

Ok, so you really are as naive as I first thought. If you don't have a problem with the authorities tracing your every move, knowing if and when you exceed the speed limit by a couple of MPH and so on, then you are a governments wet dream, a perfect citizen. Those of us who value our supposed freedom and will not tolerate a nanny state and the incessant creep of big brother style leadership, do object to it. Buy yourself a copy of George Orwell's Nineteen Eighty Four and read it, see if you can spot the similarities between what he wrote in 1949 and society today and then ask yourself, where will it all end?

well everybody has an opinion and you are free to express it. but at the end of the day it is the cheapest i can get my insurance so i think i gotta stick to it!

hollypop said:

well everybody has an opinion and you are free to express it. but at the end of the day it is the cheapest i can get my insurance so i think i gotta stick to it!

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And that is your perogative, we live in a free society. For now...

yes certainly for now...

you could say this about the ID cards they wanna bring in. i would have no problem carrying one, as i have nothing to hide. would i be right in saying Steve that you would have a problem with this too?

The ID cards aren't the problem, it's the amount of information on them and who can access it. I would have no problem carrying an ID card just as I have no problem using a passport. If the information on the ID card is limited to my name and address then fair enough, but there has been talk of linking social security data, medical data, tax data, religion, etc, etc, etc. I have a problem with that. My personal information is just that, personal, I don't want it accessed by anyone that doesn't need to see it. You seem to misunderstand my point. It's the USE and RELEVANCE of information about me that I want protected whether it's about the speed I drive at, my location or my religion.

maybe i am just young and naive ?

but i honestly do not care who knows if i am a female, white, black jewish, christian, streight, bi or whatever at the end of the day as i said... i have nothing to hide...

No, you are a product of the state brought, up with being monitored and told what to do brainwashed into excepting every thing the state does is right, how else could they even consider bringing in the labeling of kids as trouble before they are born, I feel sorry for your generation and the ones that are following

Steve