Unfortunately can't give zero stars.
Hi there,
I made the mistake of taking out car insurance with Hastings Direct Smartmiles (a service using a black box)
I took this insurance out in April 2017 and after receiving a warning they were going to retract it in June from my low score, I started taking notes and screenshots of my score to try and understand where I was going wrong.
8 months later, I am still baffled as to how these figures reflect my driving. The figures very rarely change, and if they do they drop significantly. I feel as though it is a scam to try and get me to pay to cancel or they will cancel it themselves which will clearly jeopardise my future of car insurance purchasing.
I am aware I am not the only one with this problem looking at the appalling reviews below.
My Issues with the box are as follows:
a) my braking hasn't changed from 31% since 5/7/17 despite me never slamming on my brakes.
b) my speeding has always hovered round the 50% mark since I got my insurance in April, despite me never going over the speeding limit.
c) My time of day has always hovered at 60%, despite what must be over 6,700 miles driven in the day. More irritating was that I was told by Hastings themselves there wasn't a curfew on the box which, there quite clearly is.
d) Acceleration is my biggest issue, starting at 10, I stopped using the screen when my car tells me to change gear following Hastings advice which upped the score to around 25. I then chose to stop using cruise control which managed to get me a 'high score' of 50 (why this isn't higher due to my utmost care taken when accelerating I don't know) However in the past week this has suddenly dropped to 25 for absolutely no reason. You will see from the attach screenshots that some days it dramatically just drops with no valid excuse.
I am aware they give out safe driving 'tips' but after calling 4/5 times about these persistent issues, I believe that the company has put it off long enough.. especially when the tips include:
1. Put a cup of water on my dashboard to avoid accelerating harshly
2. Don’t crawl in rush hour traffic, use handbrake rather than foot brake and wait for traffic to disperse.. at the time I lived in London.. I’d never get home!
3. Crawl out of roads at roundabouts to avoid harsh acceleration, despite this being a crash hazard.
4. Refrain from braking. I said I work 9 – 5 in London with many people who are unable to drive in my area, causing me to hit my brakes or crash into them. Her response: well that would be their fault so it wouldn’t affect your insurance. They would rather I crashed into someone which could cause injury or death just to try and improve their broken black box?!
The disaster of this insurance company is making me want to just sell my car which isn't how it should be.
Avoid like the plague, sometimes cheapest ends up costing you more.. financially and mentally!
7 years ago
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