AA Drivesafe is the black box or telematics car insurance product offered by Automobile Association Insurance Services Limited. The AA launched its version of the popular black box car insurance product in early 2012. The product uses a GPS unit to collect data on the safe driving habits of the insured driver. The data is then used by the car insurance provider to determine the risk in providing coverage. Because the driver’s insurance costs is determined by the data collected on the driver’s habits behind the wheel it is referred to as “pay how you drive”. The cost of the insurance is therefore put into the hands of the driver. They can drive safely and get the maximum benefit or discount possible and experience substantial savings. AA suggests this product to be beneficial to most drivers but especially so for young drivers, inexperienced new drivers, and those with driving convictions.GPS Considerations
AA Drivesafe requires the installation of a GPS tracking unit into the insured driver’s car. Once the driver makes the switch to Drivesafe then they will have an appointment coordinated for them to have the GPS tracking unit installed professionally. It usually takes approximately 45 to 60 minutes for installation. AA Drivesafe uses a state of the art anti-theft tracking device that not only collects data for the insurance cost determination but as a GPS tracker to help recover the car should it be stolen. This is an added benefit of the product. The Drivesafe black box or GPS unit and the installation of the GPS unit for AA Drivesafe is free.
The data collected by the GPS tracking unit to determine if the driver is speeding, braking too quickly, or taking corners quickly can be reviewed online by the driver. This allows a driver to correct their driving habits to reflect a safer behavior and receive better discounts on their insurance costs. The online dashboard service also can send emails and alerts on a regular basis to help a driver correct their driving habits.Benefit on Comprehensive Cover
AA black box car insurance product called Drivesafe offers these benefits:
- Free installation of the AA black box or GPS unit
- The ability to save money on your car insurance by driving safely
- Free state of the art anti-theft tracker installed in your car
- Access to the Drivesafe Dashboard online to monitor your driving progress
- An AA Drivesafe dedicated UK claim phone line that is available 24/7
- A courtesy car while yours is repaired by an insurer approved repairer
AA Drivesafe offers these optional extras:
Motor legal protection when you are not at fault. Up to £50,000 worth of legal assistance to seek recovery of uninsured losses like:
- Car insurance policy excess
- Alternative transport costs
- Loss of earnings
- Compensation for a personal injury
Excess protection when you are at fault for the accident, when the other party involved is uninsured or cannot be identified. Claim your excess back on these claims with excess protection:
- Accidental damage
- Malicious damage
- Theft or attempted theft
Car hire for when your car is being repaired even if your car is written off or stolen. Includes these benefits:
- Receive a hire car for up to 21 days (comprehensive policies)
- Car delivered by a national car hire network
- Insurance Group A hire car
- No claim limit
- Eligible named drivers can drive the hire car
Motor Accident Plan is available that pays up to £20,000 if you or your passengers are seriously injured in a car accident. This plan substantially improves upon the personal injury cover that is included in the AA Drivesafe comprehensive policy.Policy Fees
AA will provide a quote to any driver interested in their Drivesafe car insurance product. They do not charge for the GPS unit nor do they charge for installation of the unit. There is a policy arrangement fee of £30. Additional fees that can occur with the policy are:
- Up to £120 if you cancel your car insurance policy outside the cooling off period of 14 days or after the Drivesafe Box has been installed into the car.
- Up to £25 for mid-term adjustments (excluding change of vehicle) and printed documents.
- Up to £120 to change your car and reinstall a Drivesafe Box into the new car.
- £45 for failure to keep the appointment for installation of the GPS unit, or if you do not have the required documents with you for installation. (The documents usually required for review are driving license, registration certificate (V5C) and no-claims discount.)
- £90 to remove the Drivesafe box or GPS unit from your vehicle at your request.
AA Drivesafe car insurance is the black box or telematics car insurance product offered by the well respected AA insurance provider. While they do not specialize in black box car insurance or telematics car insurance their Drivesafe product is comparable to others on the market. An attractive feature for many will be the free unit and installation of the unit for the insured driver.
There are fees charged for changing the GPS unit to a new car or to remove the unit upon the request of the driver. AA Drivesafe supplies the GPS unit free of charge to insured drivers as well as free installation. The unit itself remains the property of AA Insurance. AA Drivesafe units are state of the art and offer an added benefit of offering free GPS tracking of the car should it be stolen.
Their grace period for having the box installed after switching to the product is longer than most with a 28 day grace period. Drivesafe offers a discount on the initial premium as well as discounts throughout the duration of the policy for driving safely. The AA black box insurance offers the driver the ability to review their collected driving data online though the Drivesafe Dashboard. It also offers alerts and emails on a regular basis to the driver on the data that is considered outside the realm of safe driving habits.
While the AA Drivesafe black box car insurance product is suggested especially beneficial financially for young drivers, new drivers, and those with driving convictions it can offer substantial savings for any driver interested in black box car insurance from AA.Compare This Policy