Dr. Eddies Wingman
Brighter than thousand_suns
"Black box insurance works when your car is fitted with a small ‘black box’ device, about the size of a smartphone, which records speed, distance travelled and the time of day or night that you are on the road.
The device also assesses your driving style by monitoring braking and cornering. ....
Although it is in general good for safety (and fuel economy, and passenger comfort) to avoid hard acceleration and hard braking, I don't like the idea of punishing repeated hard braking with having to pay more for your insurance. One is that there are obviously situations where you have to brake hard (kid/jogger/animal decides to cross the road right ahead of you), another is that brakes need to be used to prevent rust (at least in a cold and wet climate and especially when the roads are frequently salted throughout winter). This is because in most cars, more braking effect is put on the front wheels, which means that when you brake carefully, the rear brakes aren't actually used. Therefore, it is recommended to brake hard from speed every now in a while, to clear any rust and dirt off the rear brake discs. I do that once in every other week or so, if I'm driving at, say, 80 km/h with no traffic close behind. I accelerate a little bit more, then brake hard down to 40-50 km/h before accelerating back to 80.
Also, since the average driver isn't very good at planning far ahead so that the traffic can flow smoothly at all times, it will sometimes be necessary to accelerate (or brake) more than one likes, to make space for others (or fit into a space yourself).
In other words, such a black box will punish reckless drivers ... and many others.