Black Box Insurance – Driving caution and premium increase process
Discover more about how we feed back on unsafe driving, to help you develop driving skills
The caution and additional premium process
We’ve explained the process in full below, or you can take a look at a visual representation of the process here.
The first red journey
The first red journey’ that occurs is deemed as a ‘Free Warning’. We send you notification of the journey so that it may be reviewed, and we call to talk through and explain the issues which led to the score falling.
The second red journey
If there is a subsequent red journey, after the free warning has been issued, we will issue you notification that you will enter a probationary period, known as Stage 1 which lasts for 30 days.
If you do have a further red journey whilst you are in a 30 day probationary period, you will be issued notification that an additional premium of £125 will be applied to the policy. You will have 7 days to make payment in full – it cannot be added to a monthly direct debit plan, where one exists. If payment is not received within this time, you will be issued notification that the policy will be cancelled. We will confirm, in writing, that the policy will be cancelled 7 days from the date of us notifying you in writing.
Cancellation of the policy
If you do have a further red journey whilst you are in a 90 day probationary period, you will be issued notification that the policy will be cancelled. We will confirm, in writing, that the policy will be cancelled 7 days from the date of us notifying you in writing.
Of course, we hope that it will not be necessary to cancel your policy, and we do not set out to obtain further payments from you. These measures are purely there as a deterrent and a means of demonstrating there could be consequences for not driving safely. It is in everyone’s interests to stay ‘Green’, and we are here to help you achieve that.
Marmalade’s black box provides a means of recording the journeys and driving behaviours of the people named on the policy. Marmalade is passionate about encouraging, promoting and supporting safe driving behaviours as it not only reduces accidents, but can help you save money by proving you’re a safe driver.
You’ll be pleased to know we’re not watching your every move – if you’re driving safely, staying within the speed limits and accelerating and braking appropriately, you won’t hear from us. The technology will only flag to us when mistakes are made. We are not seeking to punish every mistake, but, by providing feedback as soon as possible afterwards, it allows the driver to see what may have gone wrong and to learn from it.
After the first premium increase
Once payment of the additional premium of £125 is received, you will be entered into Stage 2 with a probationary period of 60 days. Once you have been placed in Stage 2, you will remain there – you cannot go back to Stage 1.
During this time: If you do not have a further red journey within this 60 day period, the probation will expire and the policy will continue. You will remain in Stage 2. A subsequent red journey (outside the 60 day probationary period) will result in a new Stage 2 notification being issued, during which a further 60 day probationary period will be applied.
If you do have a further red journey whilst you are in a 60 day probationary period, you will be issued notification that a further additional premium of £250 will be applied to the policy. You will have 7 days to make payment in full – it cannot be added to a monthly direct debit plan, where one exists. If payment is not received within this time, you will be issued notification that the policy will be cancelled. We will confirm, in writing, that the policy will be cancelled 7 days from the date of us notifying you in writing.
After the second premium increase
Once payment of the additional premium of £250 is received, you will be entered into Stage 3 with a probationary period of 90 days. Once you have been placed in Stage 3, you will remain there – you cannot go back to Stage 2.
If you do not have a further red journey within this 90 day period, the probation will expire and the policy will continue. You will remain in Stage 3. A subsequent red journey (outside the 90 day probationary period) will result in a new Stage 3 notification.
How are the journeys measured?
Journeys are categorised into 3 levels based upon overall driving data, and these are displayed in the app for you to review.
The 3 journey levels are:
Journeys are categorised into 3 levels based upon overall driving data, and these are displayed in the app for you to review.,The 3 journey levels are:
GREEN JOURNEY
Three to Five Stars
AMBER JOURNEY
Two Stars
RED JOURNEY
One Star
GOOD TO KNOW...
The caution and premium increase process is designed to encourage good driving behaviour, and Marmalade do not earn revenue from this. The additional premium goes directly to the underwriter in order to cover the cost for the increased risk of a claim.
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