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Benefits of Buying a Car Camera

With more and more UK motorists begining to reap the benifits of installing an in-car camera, sales of these small, purpose built video devices, are increasing daily. Fitting your car camera is easy, they simply attach to your vehicles windscreen via a suction cup or adhesive mount, this enables you to record video footage of the road ahead and gives you your very own ‘eyewitness’. If you’re unfortunate enough to be involved in any kind of collision, they offer complete peace of mind that you’ll have detailed footage of the whole incident. This could help prove your innocence and offers irrefutable video evidence when it comes to settling an insurance claim. The follwing list offers a few more reasons why installing a car camera could be the best thing you ever do…

Protection against Crash for Cash and Insurance fraud

Crash for cash, is without doubt, one of the largest vehicle based crimes an innocent motorist may have to deal with, and the bad news is it’s still on the increase. According to the Insurance Fraud Bureau, organised Crash for Cash scams are costing the UK insurance companies around £392 million every single year, and with 1 in 7 personal injury claims being linked to one, it is netting huge amounts of money for the criminals involved in it. Crash for Cash is a huge problem right now and vehicle insurance fraud is not a victimless crime; it is the honest policy holder that will ultimately pick up the bill with an extra £40-£50 being added to their insurance premiums every single year. Gangs of highly organised criminals will usually stage or induce an ‘accident’ by causing an innocent motorist to crash into the rear of the fraudster’s car. The simplest scenario is where the gang members car may pull directly in front of yours and then by suddenly hitting the brakes they leave  you little or no chance to avoid a rear-end collision. This now gives the criminals the ideal opportunity to make as much money as possible by submitting exaggerated insurance claims for vehicle damage, ‘loss of earnings’ and personal injury, the drivers not only claim this for themselves but sometimes for passengers who weren’t even travelling in the car! By simply installing a car camera in every vehicle that you drive, you’ll be safe in the knowledge that you will be protecting yourself with HD video evidence that will fully show the circumstances leading up to, and including the collision itself. This will give the insurance company any proof it needs if they suspect the claim to be a fraudulent one.

Protect your insurance premiums

Often, when making a claim to your insurance company the claimant will always have to pay an increased cost on their next renewal. This is because most of the time, after an accident each party denies responsibility for it; the result is the insurance companies have to assume equal responsibility for both parties. On some occasions the outcome is even worse and the innocent party is wholly blamed for the collision. Installing a car camera will help ensure that the actions and driving behaviour of those who caused the incident are 100% indisputable. The insurers will be able to get a complete understanding of the circumstances leading up to an accident and this will mean that only the guilty parties’ insurance company will have to pay damages. Thus, in-car video evidence goes a long way to protecting your premiums and your no-claims bonus.

Cheaper car insurance

As car cameras or dash cams become increasingly popular on UK roads, some insurance companies are recognising the benefits of having them fitted and discounts are already being offered for drivers who install and use their cameras regularly. Having high-quality video evidence also means that insurers can spend less time and money investigating suspicious or fraudulent claims and therefore can pass this saving on to the motorist. In a nutshell the car camera will actually pay for itself before there has even been an accident! Still can’t decide whether or not to purchase an in-car camera? For most of us, just the fact it could save us a small fortune on our insurance premiums is enough to make it a “no-brainer”.

Deter, record or report dangerous and unsociable drivers

With the car camera market expanding by the day, drivers will eventually start to become more aware that there are quite a number of vehicles on UK roads that already have an on board video camera mounted inside them. This, we are sure, will eventually start to make every motorist drive with a lot more courtesy and patience for others. Unfortunately, at this moment in time, we are still a long way away from this. With speeding motorists wanting to under-take or push in front of us, angry tailgaters who insist on driving a few inches away from our rear bumper or selfish drivers who chat away on their mobile phones, these are all examples of incidents that are happening on a daily basis and are making our roads as dangerous as ever. So how can we combat this? Simple, by using an in-car camera system you’ll have the ability to capture any dangerous or reckless driving on video. This can then be reported to the local authorities and in many cases these drivers will be prosecuted solely on car camera evidence.

Protect against road rage incidents

Road rage attacks are becoming ever more common in the UK. In most cases this involves nothing more than some choice words or possibly some offensive hand gestures.  That said, there are a number of drivers who are reportedly finding themselves as a target of actual physical violence. If you have a car camera fitted, try to make sure you always position yourself in front of it whilst you’re exchanging details; this ensures that any offensive behaviour or threats will be caught on camera. Another way to diffuse a potentially violent situation is to inform the other driver that the event is being monitored and recorded, this can be a useful tool, helping to diffuse a volatile situation. Many attackers will be far more likely to back down once they know their actions being filmed by your ‘eyewitness’.

Protection in car parks 

G-shock technology sensors are tiny motion sensors that are built in to most modern day car cameras. This enables the camera to instantly start recording the moment it detects either, movement around the car, or a sudden bump or jolt to the vehicle itself. This will be an enormous benefit to you if you happen to return to your parked car to find it scratched or damaged in some way. The saved file from your in-car camera can be viewed once you’re back at home, or with some car cameras, the footage can be watched there and then on your smartphone using a Wi-Fi connection. It gives you extra peace of mind that you may have caught the culprits face on camera or in the case of the damage being caused by another vehicle; you’ll not only have video images of the incident taking place but also the vehicles registration plate. This gives you the advantage of bringing any guilty party to justice and once again saves you from having to make a claim on your own insurance.

Record commercial and fleet driver’s activity

With the advances in car camera technology it is now possible to start protecting your entire workforce whilst they’re out on the road. Fleet owners now also have the ability to monitor every one of their vehicles and driver’s activity. Using Google maps they can check whether a driver has adhered to the correct pre-planned route, not broken the speed limit and more importantly not been driving without due care and attention. At the same time many drivers now enjoy the peace of mind that having a camera installed brings. Commercial drivers are often the target of crash for cash scams, this is because the gangs know that a commercial vehicle will undoubtedly have insurance, when a larger van or lorry is blamed for being at fault in an accident, irrefutable video evidence can immediately prove the drivers innocence, therefore not only protecting the fleet owner’s insurance costs but also helping to protect the employees driving licence and ultimately, their job.

Taxi and Private hire protection

If you drive a black cab for a living or you’re always on the road as a private hire driver the chances are, at some point, you’ve ended up either having a near miss with another vehicle or maybe found yourself in a vulnerable situation with one of your passengers. With Taxi and private hire insurance premiums being at an all-time high, there’s never been a better time to install your very own ‘eyewitness’ protection. These days you’ll find CCTV everywhere you go so why should your cab or minibus be any different? There are numerous problems that can arise whilst driving, these include damage to the outside of your cab from other road users, verbal and sometimes physical abuse and of course those customers who have decided not to pay their fair at all! Having the knowledge that you have a reliable camera system in place will go a long way to improving safety for both the driver and passengers alike.

Young and novice driver protection

The cost of insurance premiums for young or novice drivers has increased dramatically over the past few years; some of these premiums can range anywhere from £3,000 to £7,000 a year! This is largely because younger and less experienced drivers are more likely to be involved in an incident or accident in their first few years on the road. To combat some of these issues insurance companies will only offer them a policy if they then agree to have a ‘black box’ fitted in their car. This then tells the insurer their locality, what time of day or night it was and more importantly what speed they were travelling. Now imagine installing a car camera into their vehicle to back this up, it would not only give their insurance company a visual image of how they were driving, but could potentially prove their innocence should they ever be involved in a collision with another motorist. Worth thinking about, isn’t it?

Protect your vehicle against misuse and abuse

When you have to leave your vehicle with a stranger, it can sometimes be a real worry. Without an in-car camera installed you have no idea how others are treating your property. How many times have you left your vehicle at a garage for repair, service or M.O.T or maybe had to leave it with a valet parking company at an airport? Once it’s out of your sight, what really goes on? Having a car camera installed enables you to see (and sometimes hear) exactly what happens once you’ve dropped it off and handed over your keys. Viewing the camera footage back will enable you to know exactly where your vehicle was and how it was treated. If you have a car camera with built-in GPS you’ll also be able to see the route it was driven, how fast it was travelling and where abouts it was left parked up.

www.thedrivingskool.com

Office: 0333 123 0245

Mobile: 079 19193299

A HUGE well done and congratulations to the following guys and girls who worked really hard with their driving lessons and have successfully passed their driving test and now have FULL licences!

Thank you for choosing us and be safe!

For more info on driving lessons please call

0333 123 0245 or 07919 193299 or just click!

 

1. 6/1/2015. 1st pass of 2015. Well done Molly Webb who passed her driving test first time today @ the test centre in Brentwood. Lee :)

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Learn to Drive with the driving skool.com

 2. 19/1/2015.  Well done Conner who passed his driving test @ Hornchurch Driving Test Centre. Lee

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Driving Lessons in Hornchurch

 3. 19/1/2015.  Well done Nina Collins who passed her driving test at the driving test centre in Horchurch. Great result! Lee

 

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Intensive Driving Courses Hornchurch

4. 20/1/2015. Congratulations Harry Moughton who passed his practical driving test at the driving test centre in Hornchurc. Lee

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Driving Schools in Hornchurch

5. 20/1/2015. A very happy smile! Well done Hanrietta Woodward who passed her driving test at Hornchurch driving test centre with only 2 minors! Lee :)

6. 28/1/2015. Congratulations to Louis Virk who passed today at Erith, a well deserved pass, you worked so hard for it. Julie

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Driving Lessons Erith

7. 29/1/2015.  Congratulations to Gary Selby who passed his driving test at the driving test centre in Sidcup! Have your jaws stopped aching yet? Julie :)

8. 6/2/2015.  A massive congratulations to Robert Moore who passed 1st time today at Hither Green. Keep safe and I hope I haven’t passed my germs on to you. See you in 3 years for your instructor training. Julie

9.  7/2/2015. well done Giedre Gurske who passed her driving test at Hornchurch test centre with the one and only Lee. Congratulations!

10.  23/2/2015. well done Oliver Iazarevic who passed his practical driving test 1st time today at Hornchurch. Lee

Oliver 232

Learn to Drive Hornchurch

11. 23/2/2015. Many congratulations to Sam Hicks who passed in Sidcup today. Glad all the hard work paid off for you Sam, be safe out there. David

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Driving Lessons in Sidcup 07919 193299

 

12. 5/3/2015.  Well done to Claire Copper who passed her practical driving test today! Be safe! Julie

Claire Cooper 53

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13. 9/3/2015. Great result Eiric who passed his driving test today at the driving test centre in West Wickham! Mike

Eiric 93

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14. 18/3/2015. Well done Rebecca who passed her driving test today @ Hornchurch! Lee

Rebecca Hircock 183

15. 18/3/2015.  And another one! Great result Charlotte who passed her driving test at Hornchurch driving test centre. Lee

Charlotte Tabram 183

Driving Lessons Hornchurch

16. 20/3/2015. Congratulations Cloe who passed her driving test at West Wickham this afternoon! Mike

Chloe Haffenden 203

Driving Lessons in Chislehurst, Kent

17. 20/3/2015. Excellent result Jessie who passed 1st time her driving test 1st time today! Julie

18. 23/3/2015. Another one for Lee! Well done Jake who passed his driving test today!

Jake Kenny 233

19. 28/3/2015! Congratulations Jessica for passing your test today at West Wickham! Be safe Mike

20. 10/4/2015. Good work Shane on passing your driving test today! Julie

Shane Dunphy 104

Driving Lessons Welling

21. 17/4/2015. Well done Niamh for passing your practical driving test today! Julie

22. 23/4/2015. Keep them coming Julie! Well done Abbey who passed her driving test today!

23. 25/4/2015. Well done Brad who passed today at the Hornchurch test centre. Lee

24. 25/4/2015. And they keep on comming! Great result Grace who passed today @ the Hornchurch test centre! Lee

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Learn to Drive Hornchurch 0333 123 0245

25.  28/4/2015. Congratulations Heidi who passed her driving test today! Julie

26. 6/5/2015. Great stuff Luke who passed her driving test today at Hornchurch! Lee

27.  8/5/2015. Congraulations Simon who passed his driving test today!  Julie

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South East London driving schools

28. 11/5/2015. Go Julie! Congratulations Charlie who passed today!

29. 12/5/2015. Well done Ryan for passing your driving test today! Lee

Ryan Lloyd 125

30.  12/5/2015. Keep them rolling in Julie! Well done Harj who passed his practical driving test this morning!

31. 13/5/2015. A huge well done Alisha who has passed her driving test! Lee

Alishia Brown 135

32.  21/5/2015. Congratulations Kerrie for passing your driving test!  Julie

33.  21/5/2015. Well done Lisa, another one of Lees driving test passes this month & year!!

Lisa Moughton 215

34. 27/5/2015. Well done Jade! Another 1st time pass at West Wickham driving test centre :) Mike

Jade

www.thedrivingskool.com Driving Lessons Chislehurst

35. 4/6/2015. Congratulations to Carley Godfrey who passed her driving test today at the Erith driving test centre. Keep safe! Julie

36. 27/6/2015. Congratulations Claudia Meister who passed her practical driving test with the one and only Lee @ the driving test centre in Hornchurch

Claudia

37. 7/7/2015. Well done Neringa Orhlin passed today at Hornchurch 1st attempt with 6 minors! Boom! Lee

driving lessons hornchurch

www.thedrivingskool.com Driving Lessons Hornchurch

38. 21/7/2015. A great big congratulations to Hannah Foley who passed today. Great result! Julie

 

39. 30/7/2015. Congratulations to Lee Porter who passed @ the Hornchurch Test Centre with only 3 minors. Lee

Lee

40. 30/7/2015 Well done to Lydia Woolward who passed her driving test @ Hornchurch driving test centre with the one and only Lee

Lydia

Office: 0333 123 0245

41. 31/7/2015.  Congratulations Nelia Smagina who passed her driving test @ Chingford driving test centre. Lee :)

Nelia

42. 10/8/2015. Congratulations to Sharondeep Malhi who passed today, keep safe and look forward to seeing you on the road :) Julie

Sharondeep

www.thedrivingskool.com Driving Lessons Erith

43. 13/8/2015. Congratulations Conner Butler who passed his driving test today @ the Hornchurch driving test centre with only 3 minors. Lee

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Hornchurch driving schools

44. 24/8/2015.  Well done Rose who passed her driving test on a very wet Monday morning @ the West Wickham Driving Test centre. Mike

45. 25/8/2015. Congratulations to Ching who passed her driving test today! A fantastic result with only 1 minor! It was a pleasure teaching you! Be safe! Mike

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Driving Lessons Chislehurst. Kent

46. 26/8/2015. Congratulations to Sam Kang who passed today, you worked so hard to get there and I’m so glad you chose me to be your instructor. See you for your Pass Plus, don’t forget your cushion :)  Julie

47. 28/8/2015. A great big congratulations to Matthew Clough after completing one of our intensive courses passed first time today and with only 2 driving faults. Now you can drive Lauren to give birth in October. See you for that Pass Plus soon. I’m going to miss our lunchtimes together Julie

48. 8/9/2015. Congratulations Rob who passed his practical Driving Test @ West Wickham driving test centre today. Michelle

49. 10/9/2015. One happy customer! Well done Chelsea Harrison who passed her driving test 1st time the driving test centre in Hornchurch. Lee

50. 17/9/2015. Congratulations Reann who passed her driving test FIRST! Yes, 1st time today in Hornchurch. Be safe Lee

51. 21/9/2015. Congratulations to Joe Watkins who passed today. A really well deserved pass you worked hard for your licence. Julie.

Driving Lessons Sidcup

Driving Lessons Sidcup

52. 22/9/2015. congratulations to Jack Booth who passed his driving test with only 3 minors @ the driving test centre in Hornchurch

Jack

53. 2/10/2015. An another one for Lee! Well done Kieran Fortt who passed his driving test with only 3 minors at the Hornchurch driving test centre

Kieran

54. 2/10/2015. They keep on coming! 28 passes for Lee YTD! Congratulations Andrew Parsons who passed his driving test 1st time, again at the driving tets centre in Hornchurch,

55. 5/10/2015.  No 29 for Lee :) Well done George Delaney who passed his driving test 1st time with only 4 minors at the driving test centre in Hornchurch :)

George

56. 8/10/2015 Shall we count this one? New Zealands, Christchurch’s, NO1 driving skool, 1st pass! Congratulations Erica from Burwood who passed her driving test today!

57. 31/10/2015. Congratulations to Gavin May who passed today at Erith see you for your pass plus. Julie

58. 21/11/2015. Congratulations to Gareth Berry for passing at Mitcham driving test centre on a cold and frosty morning. Michelle

 

59. 26/11/2015. Well done Angie who passed her driving test in West Wickham 1st time this afternoon! Be safe. Mike

 

 

60. 7/12/2015. Congratulations to Keith Nkiya who passed today, just in time for your wedding and trip to Zimbabwe, keep safe Julie

61. 13/12/2015. Congratulations to Liam George Norman who passed his driving test @the driving test centre in Hornchurch today. Lee

 

62.  14/12/2015. Christmas has come early for Chloe from Chislehurst this morning who passed her driving test 1st time today! Well done and Merry Christmas! Michelle

Chloe

63. 15/12/2015.  Another one for Michelle! Congratulations to Akman on passing his driving test first time at Hither Green test centre today.

Akman

 

64. 18/12/2015. Congratulations to Liam Pearce who his driving test passed today @ the driving test centre in Erith. Keep safe and see you for your pass plus. Julie

Liam

65.  21/12/2015. Happy Christmas to Jade who passed her driving test today at West Wickham. Be safe! Michelle

Putting a black box into your car could save you a substantial amount of money on your premiums. We describe the six types of drivers who would benefit from the device

index

 

Black box insurance, where premiums are based on your driving behaviour, is popular among young drivers trying to reduce the cost of cover, but motorists of other ages can also benefit.

This type of insurance is otherwise known as “telematics” cover, and involves a black box being professionally installed in your car. The box monitors how and when you drive and relays this information back to the insurer, which then calculates your premiums based on the data it has received.

Here are six types of driver who could benefit from having black box cover:

Young drivers

Young drivers aged between the ages of 17-24 are statistically the most likely to be involved in a car accident, which means premiums can be sky-high. According to the Association of British Insurers (ABI) drivers in this age group are three times more likely than drivers of other ages to be responsible for “catastrophic claims”.

Back box insurance enables insurers to tailor premiums to suit each individual based on their driving habits, rather than relying on statistics alone to determine the cost of their cover. So provided young drivers can demonstrate they are responsible motorists, premiums will be lower than they would be if they opted for conventional cover.

New drivers

If you’ve only recently passed your driving test, and therefore have limited experience on the roads, you will also be considered high risk by insurers, regardless of your age. Telematics insurance could help you pay cheaper premiums as premiums will be based on how and when you drive, so the safer you are, the lower your premiums will be.

Low mileage drivers

If you only drive a few miles every so often, it doesn’t make sense to pay the same insurance premiums as someone who drives 10,000 miles or more every year. Many black box policies allow you to choose exactly how many miles you’ll drive, and use this information to help work out your premium. If you don’t exceed this number, then you won’t have to pay any extra.

A spokesman for black box insurer Insurethebox said: “For those drivers who need to travel further, top up miles are available in bundles of 250, 500, 1,000 or 2,000 miles.”

Similarly, Coverbox’s “pay as you drive” scheme, also allows you to buy more miles if you underestimate your annual mileage.

Careful drivers

If you pride yourself on being a particularly safe driver, black box insurance could potentially reward you with lower premiums. For example, with black box cover from Ingenie, every three months your policy is reviews and a discount is applied if you’re driving well. Ingenie claims that 70pc of its customers have received a good driving discount.

The AA’s Drivesafe policy assesses how you anticipate traffic and follow the landscape, so the better you drive, the lower your premiums will be.

Slow drivers

Black box insurance is not for boy racers. You don’t have to crawl along the roads, but you must always stick within speed limits. Remember that speed can be assessed in other ways too. For example, if you take corners too sharply and are braking while doing so, this could work against you if you have a black box installed. Similarly, you’ll need to take care not to accelerate too fast away from traffic lights or to brake hard when you see a traffic jam in front of you.

Daytime drivers

Driving late at night or in the small hours is considered much riskier than driving during the daytime. This means drivers with black box insurance are likely to see premiums rise if they regularly drive at night, while some such as iKube and Co-op, have curfews so that if you drive late at night you could be fined or see premiums rise. If you tend only to drive during the day, then black box cover could be for you as you will be rewarded for driving during “low risk” periods.

For a while, some insurance companies have been encouraging teenagers to get a little black box in their cars. But how do they work, and will everyone soon have one?

For many young people, getting their first wheels is a rite of passage, a path to independence, the precursor to flying the nest.

But with one in five young drivers having an accident within their first 12 months of being on the road, insurance premiums are high. Many look to ways to reduce their costs.

It has led to the rise of what is known as the little black box, which motorists are installing in their cars to prove they are a good driver, in the hope they see insurance costs drop.

The British Insurers Brokers’ Association (Biba) says sales of motor insurance policies which use “black box” technology, called telematics, have increased fivefold over the past two years.

It says it can knock 25% to 30% off policies, saving some young drivers up to £1,000.

Critics say they cost too much and civil liberty campaigners have expressed concern about the potential for invasion of privacy, or data incriminating drivers.

So how does telematics technology work, and what do these black boxes record?

Typically the boxes are placed inside a dashboard and are able to monitor things such as speed, acceleration and braking, and the times of the day that the cars are on the roads.

The safer the driver, the better the score and the lower the insurance premium.

But prices can go up as well as down. If the analysed information shows examples of poor driving, such as fast cornering or doing wheelies, the black box will also pick that up.

Nick Moger, one of the founders of Young Marmalade, which offers a young driver insurance scheme with telematics technology, says his company uses a green-orange-red system to monitor driving, emailing drivers to alert them when they have picked up bad driving.

“The very first time, they get an email to say they are driving erratically, if they ignore that then they get another email to say you are on probation for 30 days and if they continue to drive badly we increase the premium by £250,” he says.

Manufacturers are convinced highlighting poor driving patterns can improve driving behaviour and reduce the number of accidents.

“It has been proved in Italy – where they are probably the leaders in Europe in accident rates – their rate has dropped by 16% by having black boxes,” says Moger.

More than 600,000 cars in Italy are believed to have the devices, many more than in the UK. But Biba expects 500,000 UK cars to have them by July 2014.

Nicole Darbyshire, a 20-year-old nursery nurse from Bolton, has already signed up to the system.

After passing her driving test in April, she says the cost of a car and its associated insurance was “a big worry” before she discovered that telematics could help reduce bills.

“For the first month, I was really aware of the box, and if I accidentally sped, I’d brake really quickly. Now I tend to forget it’s there.

“I can log onto my account online and see how I am driving. It shows when I’ve over-accelerated – it has pictures of the street which is a bit strange. So far I’ve been 97% green, so that’s good. I’ve got more relaxed about checking now as I know it will email me if I do anything wrong,” she says.

But not everyone is so relaxed about signing up to this sort of surveillance.

Taylor Brown, 21, says he thinks his insurance company already has enough information. “Why should I then tell them what I’m getting up to – Big Brother Britain and that, but you know, it is up to me where I go.”

Joe Johns, 18, doesn’t like the idea either. “It would be like being on a driving test 24/7. You’d always have someone monitoring you about how you’re driving, your foothold, your braking. I just wouldn’t fancy it.”

Firms such as Coverbox, iKube, Co-operative Insurance, Swinton and the AA now offer insurance schemes with telematics for young drivers.

The AA, which stores a small electronic box under the bonnet transmitting data via satellite to the company, says savings of up to £850 can be achieved when compared with standard inexperienced driver policies.

And the boxes aren’t the only devices that incorporate artificial intelligence as an aid to monitor and control a young driver’s behaviour.

Insurance firm Aviva has launched a new pay-how-you-drive smartphone app which could offer drivers savings on their car insurance premiums, based on how they drive.

Motoring journalist Paul Horrell says the devices are part of a wider trend that is seeing insurers and manufacturers try to incentivise or coerce young drivers into being more careful.

He cites a Ford product in the US called MyKey, which allows a master key to set various limits – such as maximum speed or audio – on the vehicle.

Volvo’s Alcoguard monitors alcohol levels. It will not start until a driver has blown into a unit, which transmits the results via radio signal to the car’s electronic control system. If a blood-alcohol limit of 0.2g/l is exceeded, the engine will not start.

And DriveCam, which was developed to help organisations with fleets of drivers, like haulage companies, monitor their drivers’ performances, uses a system which relies on two cameras – one pointing at the road, and one monitoring the driver – to record instances of bad driving such as texting or tailgating.

So might everyone soon have a little black box, or something similar, in their car?

Horrell says it is often parents that are particularly attracted to devices such as little black boxes. But he thinks it is unlikely that everyone will subscribe to such surveillance.

We are definitely going to have more behaviour-based motor insurance in the future”

“If people are willing to submit to this kind of observation, they are probably the kind of people who are willing to behave more responsibly.”

Graeme Trudgill, head of corporate affairs at Biba, says although he expects to see a significant increase in the number of little black boxes in the young driver market over the next couple of years, it would not be economical for all insurance companies, and all age groups, to go down this route.

In many ways the future depends on technology, he says, as it depends on what happens with smartphone apps such as Aviva’s, which are cheaper than having a box fitted. And in the next couple of years, vehicle manufacturers are also going to be required to install emergency call buttons, which will transmit GPS signals and have the potential to use telematics.

“What is clear is that we are definitely going to have more behaviour-based motor insurance in the future – and young drivers are going to still be the primary market,” he says.

Adeola Ajayi, from the Association of British Insurers, says riskier or more dangerous drivers are likely to be the ones who are the most resistant.

She thinks there will be a spike in the number of young female drivers opting for a black box after 21 December, when an EU ruling which bans insurers from taking gender into account when setting premiums comes into effect.

“Female drivers, who are statistically safer, have benefited from cheaper insurance in the past, so these might prove popular with them.

“Others are simply keen to do whatever they can to get a premium that reflects their exact risk, and this is a way of getting more insight and rewarding customers,” she says.

www.thedrivingskool.com

Hither Green Test Centre

42-44 Ennersdale Road
Hither Green
London
SE13 6JD

Contact: 0300 200 1122

Hither Green Driving Test Centre information

Hither Green Driving Test Centre is situated around very busy urban roads where the test examiner will require a high degree of knowledge of various road systems.

Excellent ability and safety of roundabouts, junctions and crossroads is essential. Quiet residential roads are often incorporated into the driving test. These roads present hazardous conditions due to being narrow with speed restrictions (Usually 20mph)

Ability to manoeuvre the car for oncoming traffic is important. Faster paced roads such as the A20 and A205 being likely.

1 of the 4 test manoeuvres will be requested and the emergency stop procedure has a 1 in 3 possibility. The independent part of the test reserves 10 minutes of test time.

Book a driving test at Hither Green driving test centre

Driving tests cannot be booked through the test centres directly. To book a driving test, there are 2 options; by phone or online.

Book a driving test by phone

To book a practical driving test at the Hither Green driving test centre by telephone, call the DSA on 0300 200 1122.

Book your driving test online

To book your driving test online for Hither Green Driving Test Centre, click here.

Test cancellations and rescheduling

Rescheduling or cancelling the test from Hither Green can be done via the above contact methods. If by telephone, talk to a DSA assistant regarding this matter. A minimum of 3 working days notice is necessary if you with to reschedule to a later date or to receive a full refund if cancelling.

For more local knowledge, with local female & male Driving Instructors contact:

www.the driving skool.com

info@thedrivingskool.com
Office: 0333 123 0245
Mobile: 07919 193299

hither

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Julie White Driving Instructor

Covering: Abbeywood, Blackheath, Charlton, Eltham, Greenwich, Woolwich, Thamesmead, Sidcup, Welling, Bexley, Bexleyheath, Belvedere, Dartford and Plumstead.

Julie has a huge amount of passion for what she does. Over the years 100′s of our customers have benefited from her knowledge, expertise and friendship in teaching them how to drive.

Julies teaches manual driving lessons and specialises in teaching:

Nervous/anxious customers

Customers with learning difficulties

Customers with ADHD or Autism

Intensive/crash courses

Pass Plus

If you’d like to get in touch with Julie, you can call or text her directly on her mobile

07952 248830

Office 0333 123 0245

or through our contact page

Why are your pass rates so high compared to other driving schools?

We won’t let you take a driving test unless you are capable of driving in today’s demanding environments and therefore capable of passing a test. You’ll have to prove your ready by passing one of our mock tests. Being fully prepared for your test will give you that added confidence, meaning you’ll feel less nervous and far more likely to succeed first time. Your test is just as important to us and we want you to pass!

Are your instructors any good?

Very simply! Yes! All our Driving Instructors live and work in their communities, are CRB checked and fully qualified DSA (Driving Standards Agency) Driving Instructors. Our team of  Instructors strive to deliver the very highest standard of customer service and driving tuition to all of our customers

How much is it to hire a car for the practical driving test?

The actual practical driving test is the cost of your normal three hour booking rate. (Please do check with your Instructor) We’ll pick you up one hour before the test and help you to “warm up” and get rid of any last minute nerves. The driving test will last approximately 35-40 minutes and the final 20 minutes will be completing the paper work for your full drivers licence and driving you home!

Can I book one of your cars at short notice for a driving test?

We don’t lend our cars to anyone we haven’t seen drive before so if you have not learnt with us, you would need to book in for a lesson before your test so we can assess your driving. Booking this assessment drive does not guarantee one of our cars for the test, please contact us for more details.

I’m really nervous about learning to drive, what if I crash?

We know how you feel! Everyone is nervous the first time they get into the driving seat of a car so we will try and help you relax as much as possible.

A lot of time and effort goes into planning each lesson and the routes we use to make sure you are never in a situation which you cannot deal with. We will never shout at you and we are prepared to go over things as many times as needed in order to help you become a safe and confident driver.

All our cars are fully comprehensively insured and fitted with dual controls.

How many lessons will I need to pass my test?

The million pound question! We get asked this question a lot and without seeing you drive it is impossible to tell. Everyone learns at different speeds.. We encourage private practice and can set you tasks to practice in your own car. We would never make you pay for any lessons which where not necessary to your learning experience.

Do you give lessons in the evenings and weekends?

Yes, we’ll always try to schedule lessons around you and your availability! You are the customer!

Will I be charged if I cancel a lesson?

We appreciate that from time you time you may not be able to fulfill a lesson you have arranged with us. That’s why if you give us less than 48 hours notice, then yes you will be charged. Your Instructor does have a degree of flexibility but please let us know as soon as possible.