As a retired insurance and automotive professional I was asked by my 38 year daughter to help out with the renewal of her car insurance which had increase by £200 despite no claims or convictions. Using a comparison web site the solution was RAC Black Box Insurance, I am familiar with telematics, however there was no explanation as to the RAC driver scoring system but I was not too concerned since the car is in London most of the time. Black Box fitting requires direct wiring to the battery which must be clean for double sided sponge tape to secure. This my daughter was unable to do so threatened with cancellation and £125 fee by RAC, a neighbour attempted to fit box. As the box is not firmly secure on top of the battery she consistently gets 0 score for acceleration and braking. I now have access to her online driving telemetry and have found instances where the driving score is completely wrong due to GPS errors (speed on dual carriage way under urban single lane bridge ). Also as a London driver the urban score is always very low. Some months she does less than 200 miles which means there is no score ...Just as well as if you score less that 20% 3 times you policy will be cancelled and your record given to other insurance companies. That's called a RAC Red Event...not as bad as a RAC Black Event in which case they cancel immediately... that's for speed in excess of 20 mph of the limit.
Customer support is poor and certainly inline with other comments on these reviews.
So the terms and conditions are not made clear to the insured when they enter into the contract. The RAC driver measuring system cannot be reconciled by the insured, the results being displayed online with no system of appeal.
The legality of an RAC Black Box Insurance Contract needs now to be challenged.
4 years ago
RAC Insurance has a
2.2
average rating
from
1,229
reviews
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