Co-op young drivers insurance (blackbox) mileage identity tracking? (Anyone on co-op blackbox?) - HotUKDeals
We use cookie files to improve site functionality and personalisation. By continuing to use HUKD, you accept our cookie and privacy policy.
Get the HUKD app free at Google Play

Search Error

An error occurred when searching, please try again!

Login / Sign UpSubmit
Expired

Co-op young drivers insurance (blackbox) mileage identity tracking? (Anyone on co-op blackbox?)

f2k8 Avatar
2y, 2m agoPosted 2 years, 2 months ago
I've just passed my driving last month on second try and I'm starting to look at small cars to insurance. I'm 22, and I'm looking at a 1.2 Grande Punto, but I live in a terrible post code area for driving insurance. My neighbourhood is actually one of the cleanest and safest places I have ever lived in, but since the post code has a bad risk code, everyone gets punished, and hence, I can't find insurance cheaper than 5 grand and that's with my dad as second driver!

So a friend of mine who lives a few streets away from me (same postcode) recently told me about co op young drivers insurance (blackbox), and how his insurance is only £1800 for his first year on a 1.4 MK 5 Golf (higher insurance group). So I gave that a shot, put in my mileage as 8,000 and my dad as 2,000 on the Punto 1.2 since he will also be driving now and then to save on fuel, plus he has tons of no claims and could make it cheaper. But nope, 3.9K?! On a 1.2 Punto that struggles with more than 3 people in the car!! Also tried 1.0 Corsa's and Clio's, but to no avail, maybe a £100 cut but that's it. (my family and I have never had any convictions or points or accidents)

So I went back and asked my friend how the heck he got it this cheap, and he mentioned that he put in his miles as 'under 1,000' and his dads miles as '12,000'. That's why he get's it so cheap, but surely Co-Op can't have such a flawed system where people can just get away with it that easily? Do they have some sort of ID system that recognizes who's driving? Because that just sounds ever so silly. He's coming up to his 9th month and he's even earned some discounts for good driving! So sinister, and then there's me who can't get insured until I turn 30 years old!

Can anyone out there with Co-Op young drivers insurance shed some light on this situation? Have you tried this, or know how this works, or know of anyone that has tried this? Surely it's fraud, but so many people are getting away with it!
Also, are there any good cheap alternatives?

Cheers.

(Also posted this on another forum searching for answers)
f2k8 Avatar
2y, 2m agoPosted 2 years, 2 months ago
Options

All Responses

(28) Jump to unreadPost an answer
Responses/page:
#1
I can only think that they could work this out using the gps tracker. Probably they would not even check unless you were to make a claim. They would check things like where does the car go every day, for example to your work address and they could then see who was driving by check driving behaviors. Your dad compared to you would have a very different set of driving habits , very easy then to see if you are clocking up more then a 1000 miles.
#2
Try mypolicy
#3
Argoj
I can only think that they could work this out using the gps tracker. Probably they would not even check unless you were to make a claim. They would check things like where does the car go every day, for example to your work address and they could then see who was driving by check driving behaviors. Your dad compared to you would have a very different set of driving habits , very easy then to see if you are clocking up more then a 1000 miles.

Well I want to do everything legit anyway, but if I DID do this, I actually walk to work everyday, it's extremely close and I live healthy, plus don't have to spend money on fuel for it, but I know what you mean.


oldskooler75
Try mypolicy

Are they any good? Will give them a go now. Cheers.
#4
I find it so ridiculous with young driver insurance prices. I passed last year but seemed to have been sucked into the black hole where I can't justify the costs for something I wouldn't be using enough. I like to get value for money and with extra car costs it kinda sucks (I'm 22 too).

A company I've heard that are really good with us young'uns is ingenie who use the black box which could be worth a look for you. :)
#5
LilHammerette
I find it so ridiculous with young driver insurance prices. I passed last year but seemed to have been sucked into the black hole where I can't justify the costs for something I wouldn't be using enough. I like to get value for money and with extra car costs it kinda sucks (I'm 22 too).

A company I've heard that are really good with us young'uns is ingenie who use the black box which could be worth a look for you. :)

Cheers, will give it a shot.
Another thing I've found is that a lot of insurance companies won't even give me a quote, it just goes to a 'sorry, we can't give you a quote right now', and I do these quotes at around 7PM so the site can't be closed. Strange.

Tried MyPolicy and they gave me a 'can't give you a quote' message too, so that's out of the question now.


EDIT: INGENIE -
http://i.imgur.com/t1vUIZE.png


-_-

Edited By: f2k8 on Oct 02, 2014 23:31: edit
#6
That is ridiculous. Can't believe how much insurance companies are punishing young drivers for the recklessness of others. I passed when I was 18 and my first year insurance was only £2,900. I'm 24 now and I haven't driven in past 3 years due to 9 points on my licence but even without declaring points, I get quotes of £3,500 which is ludicrous. Can't wait to hit 25 next year. Good luck to you mate.
#7
As an older person can I just say...."fu*k me". I really do feel so sorry for younger people regarding car insurance, and think this is something our useless politicians should be sorting out...not only is it blatant age discrimination but obviously just 'wrong' on so many levels....insurance companies are just cashing in on an obvious loophole....and young people are their victims...

In 5-10 years time, I expect to see a similar thing to what banks have faced regarding PPi....

My respect and sympathy to people of a younger age regarding car insurance...I hope this gets sorted quick, gone on too long.
#8
Jakirrr21
That is ridiculous. Can't believe how much insurance companies are punishing young drivers for the recklessness of others. I passed when I was 18 and my first year insurance was only £2,900. I'm 24 now and I haven't driven in past 3 years due to 9 points on my licence but even without declaring points, I get quotes of £3,500 which is ludicrous. Can't wait to hit 25 next year. Good luck to you mate.

It sure is, and thank you, I'll need it!


hermano2
As an older person can I just say...."fu*k me". I really do feel so sorry for younger people regarding car insurance, and think this is something our useless politicians should be sorting out...not only is it blatant age discrimination but obviously just 'wrong' on so many levels....insurance companies are just cashing in on an obvious loophole....and young people are their victims...

In 5-10 years time, I expect to see a similar thing to what banks have faced regarding PPi....

My respect and sympathy to people of a younger age regarding car insurance...I hope this gets sorted quick, gone on too long.

Me too pal, needs to get sorted out ASAP.
What I don't understand is.. if insurance companies are only willing to take in 25+ at a decent price, and someone got their license at 17, 17-25 is 8 years, that's 8 years with a license but NO driving experience in EIGHT YEARS. Aren't they more vulnerable, and more likely to crash, than say a 22 year old who has just had DAYS of experience and just passed, ready to go?!
Where's the LOGIC! Won't SOMEBODY think of the CHILDREN! :'( haha
#9
Is it a new car youre looking at ?

If i recall renault were doing the 1st years insurance free and 0% apr on a clio offer that could work in your favour

http://www.arnoldclark.com/renault/5-years-0-percent/

That one may have expired but there are similar about but you could try them

Edit

Vw doing it on polo and up!

http://www.volkswagen.co.uk/retailers/offer/00014/local/20151

Citreon are doing 3 years
Free Insurance With Citroen
citreon free insurance

Evans Halshaw Citroen are offering up to 3 year's free insurance with selected new cars.
From the C1, all the way up to the DS3, Citroen have got your insurance costs covered for if you're unfortunate enough to have an accident!  Check out the latest offers on the Citroen Hub for more!


Toyota are also doing it, but require licence for 2 years

Vauxhall doing 0% and insurance free on corsa for 21-75 year olds
And insurance for £99 for 18-20 year olds

http://www.lookers.co.uk/upload/thumbcache/300x220/images/media-library/47/53b94562c2f84.jpg
http://www.lookers.co.uk/vauxhall/offers/new-car-offers/vauxhall-corsa-offers/

Participating retailers only. First year insurance offer available on new Corsa Excite and Limited Edition models only. All drivers must have held a valid full UK licence for a minimum of 1 year. All policies are underwritten by Ageas Insurance Ltd. Other insurance specific terms and conditions apply.
^Drivers aged 18-20 will make a contribution of £99 to their premium and must agree to the fitting of a telematics box to the car: every 3 months your policy will be reviewed and if you drive well, we will return part of this to you. The policy may be cancelled for consistently poor driving. Only available through ingenie.
**The offer will cover the full premium for drivers aged between 21-75 (motor policy only). Only available through Vauxhall Insurance.


For what youd spend on insurance, a brand new car on finance is actually a better option if you can get it








Edited By: mrwhitelabel on Oct 03, 2014 01:35: edit
#10
my son did exactly the same to insure with coop, he got mum/dad&gran insured as named drivers then divided milage up leaving himself with only 1000, they worked his driving risk out based on his milage i suppose, they cant tell who is driving so wasnt a problem, he has 3yrs ncb now and just bought a bmw, his "box" is still in his car, along side another "box" fitted when his sister passed her test and inherited his car, coop couldn't match her price so she got another box, I even have access to her *driver dashboard* with live info on times, distance, speed, smoothness.....it even tells me If she's late for collage!
#11
I with insure the box and they put a little box in my car. it was 1500 the first year for a 21 year old. The 2nd year it went down to 500. it looks at your driving like speed, time of day u drive and how long you drive for. then it gives you extra miles if your a good driver.
#12
miss_money_penny
my son did exactly the same to insure with coop, he got mum/dad&gran insured as named drivers then divided milage up leaving himself with only 1000, they worked his driving risk out based on his milage i suppose, they cant tell who is driving so wasnt a problem, he has 3yrs ncb now and just bought a bmw, his "box" is still in his car, along side another "box" fitted when his sister passed her test and inherited his car, coop couldn't match her price so she got another box, I even have access to her *driver dashboard* with live info on times, distance, speed, smoothness.....it even tells me If she's late for collage!

That last bit is scary! If that info gets into the wrong hands, my life turns in to an episode of CSI! :|
Other than that, it sounds like it was a breeze for your son! I'm guessing this was a long time ago though?
#13
Admiral are by far the cheapest for me, nobody could touch them (and i do a LOT of looking around every year before the renewal).

These boxes sound a big con to me, they barely reduce the price at all! TBH id rather not have big brother watching me either.
The biggest tip for getting the cheapest possible price is fiddle around as much as you can with the quote.

For instance, I am an electrician, but also an electrical engineer, electronic engineer, programmer etc etc. Of those, Electronic engineer is the cheapest so i put that down.

Also, make sure your named drivers are 3 people who are around double your age. It really brings the price down - even if they never drive the car. Remember, although its illegal to have a parent as the main driver when its you whos going to drive the car mainly, its NOT illegal to have them as named drivers. (and it really brings the price down a LOT).

There are other bits and pieces that you can fiddle with, such as where its parked on a day/night and your excess. Its worth it when you reduce the price by a third at the end of it!



Edited By: 118luke on Oct 03, 2014 13:59
#14
118luke
Admiral are by far the cheapest for me, nobody could touch them (and i do a LOT of looking around every year before the renewal).

These boxes sound a big con to me, they barely reduce the price at all! TBH id rather not have big brother watching me either.
The biggest tip for getting the cheapest possible price is fiddle around as much as you can with the quote.

For instance, I am an electrician, but also an electrical engineer, electronic engineer, programmer etc etc. Of those, Electronic engineer is the cheapest so i put that down.

Also, make sure your named drivers are 3 people who are around double your age. It really brings the price down - even if they never drive the car. Remember, although its illegal to have a parent as the main driver when its you whos going to drive the car mainly, its NOT illegal to have them as named drivers. (and it really brings the price down a LOT).

There are other bits and pieces that you can fiddle with, such as where its parked on a day/night and your excess. Its worth it when you reduce the price by a third at the end of it!



In the last month I've been doing that quire a lot. Will try Admiral. Cheers.
#15
Try Bell Mate I was quoted 1500 When I first passed
#16
try aviva, my daughter was 18 when she passed her test last year, all the quotes even with box on the comparison sites were way too much than she could afford, with me on as an additional driver she got it for under £1500 last year, worth a try to see if they will do it cheaper than youve found so far, that was without any box aswell.
#17
f2k8
miss_money_penny
my son did exactly the same to insure with coop, he got mum/dad&gran insured as named drivers then divided milage up leaving himself with only 1000, they worked his driving risk out based on his milage i suppose, they cant tell who is driving so wasnt a problem, he has 3yrs ncb now and just bought a bmw, his "box" is still in his car, along side another "box" fitted when his sister passed her test and inherited his car, coop couldn't match her price so she got another box, I even have access to her *driver dashboard* with live info on times, distance, speed, smoothness.....it even tells me If she's late for collage!

That last bit is scary! If that info gets into the wrong hands, my life turns in to an episode of CSI! :|
Other than that, it sounds like it was a breeze for your son! I'm guessing this was a long time ago though?
f2k8
miss_money_penny
my son did exactly the same to insure with coop, he got mum/dad&gran insured as named drivers then divided milage up leaving himself with only 1000, they worked his driving risk out based on his milage i suppose, they cant tell who is driving so wasnt a problem, he has 3yrs ncb now and just bought a bmw, his "box" is still in his car, along side another "box" fitted when his sister passed her test and inherited his car, coop couldn't match her price so she got another box, I even have access to her *driver dashboard* with live info on times, distance, speed, smoothness.....it even tells me If she's late for collage!

That last bit is scary! If that info gets into the wrong hands, my life turns in to an episode of CSI! :|
Other than that, it sounds like it was a breeze for your son! I'm guessing this was a long time ago though?
just my my sons was just over 3 years ago, he was 17, my daughters still 17 and passed 2 months ago, i got an email today from her insurance saying "It has been brought to our attention that your driving style score for a recent journey was in the “Red” with a score below -5. This falls into the category of high risk driving"
Luckily it was when she ran out of petrol yesterday and nothing bad.......
#18
miss_money_penny
f2k8
miss_money_penny
my son did exactly the same to insure with coop, he got mum/dad&gran insured as named drivers then divided milage up leaving himself with only 1000, they worked his driving risk out based on his milage i suppose, they cant tell who is driving so wasnt a problem, he has 3yrs ncb now and just bought a bmw, his "box" is still in his car, along side another "box" fitted when his sister passed her test and inherited his car, coop couldn't match her price so she got another box, I even have access to her *driver dashboard* with live info on times, distance, speed, smoothness.....it even tells me If she's late for collage!

That last bit is scary! If that info gets into the wrong hands, my life turns in to an episode of CSI! :|
Other than that, it sounds like it was a breeze for your son! I'm guessing this was a long time ago though?
f2k8
miss_money_penny
my son did exactly the same to insure with coop, he got mum/dad&gran insured as named drivers then divided milage up leaving himself with only 1000, they worked his driving risk out based on his milage i suppose, they cant tell who is driving so wasnt a problem, he has 3yrs ncb now and just bought a bmw, his "box" is still in his car, along side another "box" fitted when his sister passed her test and inherited his car, coop couldn't match her price so she got another box, I even have access to her *driver dashboard* with live info on times, distance, speed, smoothness.....it even tells me If she's late for collage!

That last bit is scary! If that info gets into the wrong hands, my life turns in to an episode of CSI! :|
Other than that, it sounds like it was a breeze for your son! I'm guessing this was a long time ago though?
just my my sons was just over 3 years ago, he was 17, my daughters still 17 and passed 2 months ago, i got an email today from her insurance saying "It has been brought to our attention that your driving style score for a recent journey was in the “Red” with a score below -5. This falls into the category of high risk driving"
Luckily it was when she ran out of petrol yesterday and nothing bad.......

Ah, I see. I think I could make a blackbox work, just need to live with it for a year haha.
Thanks for the help!
#19
Are you a graduate, because if so you should really check out Endsleigh car insurance. I am 23 years old albeit I've been driving since I was 17 but I only pay £400 a year for business insurance
#20
fisco2001
Try Bell Mate I was quoted 1500 When I first passed


alex12
try aviva, my daughter was 18 when she passed her test last year, all the quotes even with box on the comparison sites were way too much than she could afford, with me on as an additional driver she got it for under £1500 last year, worth a try to see if they will do it cheaper than youve found so far, that was without any box aswell.

I'll try out both guys, thank you for the suggestions! :')


underscoreben
Are you a graduate, because if so you should really check out Endsleigh car insurance. I am 23 years old albeit I've been driving since I was 17 but I only pay £400 a year for business insurance

I am not a graduate but may go to Uni next year, I've heard about Endsleigh's student schemes, they sound great, but I can't use them sadly. Thank you though.
#21
When I was a kid my dad taught me that saving money was a great idea.
Whenever I had a spare penny, he told me to put it in my blue box.
When I had enough I would swap them for a ten pence and put them in my red box.
When I had enough tens, I would swap them for a fifty pence and put them in my black box.
Took me years to learn that I was feeding the gas meter..
#22
john2020md
When I was a kid my dad taught me that saving money was a great idea.
Whenever I had a spare penny, he told me to put it in my blue box.
When I had enough I would swap them for a ten pence and put them in my red box.
When I had enough tens, I would swap them for a fifty pence and put them in my black box.
Took me years to learn that I was feeding the gas meter..

I have no idea what this has to do with the original post, but thanks for giving me a good chuckle! haha :D
#23
f2k8

I have no idea what this has to do with the original post, but thanks for giving me a good chuckle! haha :D
Go for a peugeot 107 as your first car.
Insurance group one ,over 55mpg driving round town, and very cheap parts, I mean literately so cheap, tyres, clutch , anything is very cheap, even if the clutch goes at 80k, should only cost about £150 for the best clutch, compare that to on a Punto and its around double the price.
Citroen C1 , Peugeot 107 and Toyota Aygo made by Toyota so no reliability issues either.
#24
Try a company called 'drive like a girl' they are insurethebox's sister company but dont have any restrictions, the mesure the ususal stuff but give u a discount after 3 months if your drivings good, if not the price stays the same. Also after getting a qoute it shows how much of a discount u can get. Just dont use the wrong postcode (i learnt that the hard way) and play around with adding second drivers e.g mum then dad, gran mum dad, also use a fake name/different email adress as some companies see you have too many insurance qoutes (usually through comparison sites) and dont give a qoute due to the heavy ammount of qoutes. Also some check your credit score.

20yrs old 1.2 corsa 1 years driving no NCB, £718 :D
#25
f2k8
john2020md
When I was a kid my dad taught me that saving money was a great idea.
Whenever I had a spare penny, he told me to put it in my blue box.
When I had enough I would swap them for a ten pence and put them in my red box.
When I had enough tens, I would swap them for a fifty pence and put them in my black box.
Took me years to learn that I was feeding the gas meter..

I have no idea what this has to do with the original post, but thanks for giving me a good chuckle! haha :D
:)
#26
went with admiral multicar to lower the cost of my daughters insurance,shes 22 now and her polo 1.2 and my audi 1.6 came in at £668.83.freefone number 0800 118 1611.cars must be registered at the same address.
#27
Be careful about how you 'fiddle' your details - it could lead to the policy being invalidated and then you will struggle to get any insurance in the future.

Get a cheap low insurance group 'banger', get some NCB and watch the premium go down - try 3rd party only too (if its a cheap car it's pointless anyway)

Use a comparison site, there are companies that specialize in 'high risk' drivers - some will refuse to quote but you should see some that will
#28
Try autosaint.

Was the cheapest I could find for my insurance. (21 yr old with bad postcode)

Everyone was quoting me around 10K autosaint with blackbox is 1900.

Post an Answer

You don't need an account to leave a response. Just enter your email address. We'll keep it private.

...OR log in with your social account

...OR comment using your social account

Thanks for your comment! Keep it up!
We just need to have a quick look and it will be live soon.
The community is happy to hear your opinion! Keep contributing!