UK car insurance is a racket
Insurers go on about personal injury claims causing price increases, yet they always sell your details to the injury lawyers after every incident.
Someone bumped the back of my 4x4 a while back, hit the spare tyre and caused no damage to my car but damaged her Fiesta quite significantly. I called my insurers to say she admitted fault, I have no damage claim and there were no injuries (I hardly even felt the impact). The insurers were absolutely adamant that I give them my mobile number in case they need to contact me about the incident, I repeatedly refused and told them I'm certain that there won't be any comeback but if there was I'd prefer it in writing anyway. Over the following week I was working from home and I received 5 calls from 3 different personal injury companies!
Another aspect of the insurance swindle is car parts. Most "genuine" parts are at least double the price of 3rd party alternatives, with many alternatives even having a higher spec. Insurance repairs are almost always done with "genuine" parts, along with exorbitant labour costs that would be considered uncompetitive if the consumer was footing the bill. Where there's an option, virtually nobody uses original manufacturer's parts except insurers and that is nothing more than a racket.
The telematic boxes are just another scam by the insurers, Just like the gender neutral pricing that "took effect" on 21 December 2012. The noises from the insurance companies were suggesting that female driver's insurance would increase by up to 25% and males should decrease substantially. My Mum's insurance price didn't change at all in January. My renewal price increased slightly in February as usual, so I switched, as usual!