Young motorists who drive below the speed limit could still be deemed ‘unsafe’ by insurers reviewing their black box data.
Some insurance companies offering telematics policies, which assess how a new driver behaves behind the wheel, are no longer using the speed limits on roads as a measure of risk for new drivers.
Instead, they are comparing a new licence holder’s speed against the average speeds of more experienced motorists to determine if they’re travelling too fast – mainly on ‘rural’ A and B roads.
That means someone who has recently passed their test could be judged to be driving dangerously quickly on a stretch of road even if they’re 15mph below the indicated limit, with the cost of their premiums increasing as a result.
Young motorists could be penalised by insurers for driving too fast even if they’re 15mph BELOW the speed limit
- Some telematics insurers no longer measure young drivers against limits
- Instead some compare it to the average speed of experienced motorists
- A database of 100,000 seasoned drivers has been created as a comparison
- It means new drivers staying under designated limits could see premiums rise
- Speed limit signs give new drivers a ‘false sense of security’, some claim
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