|
Using The “Autograph” To Get Cheap Motor Insurance
By: Joseph Kenny
What if your motor insurance provider told you that you could get up to 25
percent discounted from your next car insurance policy simply by showing them
that you were a safe driver? It would sound obvious won’t it - after all,
basically, isn’t that what a no claims bonus is all about? Well, you can guess
again, because with the new “autograph” device getting up to 25 percent
discounted on your car insurance policy in the years to come is going to be a
very real experience!
What Is The Autograph?
Basically, an “autograph” is a device that you ask a garage to plug into the
diagnostic part of your car (which can be found underneath your steering wheel).
The autograph will then record all of your driving skills, including how fast
you drive, your average speed, whether or not you need to suddenly break (and,
if so, how often), the times of the day that you like to be out and about on the
roads, what your average mileage is, what your longest and shortest journeys
are. In fact, the list is endless. After a pre-determined period, say three or
six months, you then return to garage that installed the autograph and they will
uninstall it and replace it with a new one. The old autograph is then plugged
into a computer and all the requested recorded data is feed into a computer and
sent to your motor insurance provider. Your motor insurance provider can then
take a look at all of this recorded data and can decide, more accurately, if you
are a high or low risk driver!
Benefits of the Autograph
If you are a good driver, the benefits of agreeing to use an autograph are easy
to see – after all, recorded data rarely lies! The downside to using an
autograph is the fact that it is recording the data collected in the car. This
has two effects – first, you have to have a car capable of recording this data
(i.e., not too old); second, the data collection cannot differentiate between
drivers. As such, if you have a car in your house that is driven by several
different people, the autograph will not be able to tell who is driving the car
at any given time. Consequently, if you have your son or daughter on your car
insurance and they tell you they like to drive at 50 miles an hour, while the
autograph tells the motor insurance provider they like to drive at 120 miles an
hour, it’s not likely you are going to be getting the 25 percent policy premium
discount you were looking for!
All in all though, as with pay per mile car insurance, getting cheap car
insurance using an autograph device, although being the way of the future, is
here to stay and will most probably benefit far more motor drives than it
inhibits.
About the Author:
Joseph Kenny is the webmaster of the insurance site
www.insure121.com
where you will find information, news and links to the leading providers of car
insurance in the UK.
|
