What if your car insurance company didn’t need to trust you?
Car insurance companies always seem to have incredibly optimistic views about how well we know what we do with the car, don’t they?
Sometimes seemingly simple questions from them mean that you effectively have to make up the answer. For instance, if you’re looking for student car insurance, are you actually a student? Since you can drive from age 17 what do you call yourself for those two years prior to university? You’re still at school but are you a student? At the other end of the scale what about those of us doing part-time degrees? Is it valid to put ourselves down as students too?
Then there’s the complication of where you park the car overnight. Is it always in the garage or mostly in the driveway?
But the hardest question has to be: how many miles are you going to drive next year? I’m sure that for many people it’s a complete guess.
However, what if they didn’t need to trust just how good a driver you are but could check it for themselves? Finally, technology has come to their aid with what’s effectively a home version of the in-cab monitors that lorries have used for years. This can do things like keep a record of how far you really travel, what the mix of journies is like, where you’re going and how fast you drive. Although this should allow “good” drivers to get lower quotes in time I suspect that it’ll be a while before the insurance companies get a handle on what exactly a “good” driver does so don’t expect massive drops in insurance costs immediately.
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