Black Box Insurance
No restrictive night-time curfews
Instant cover – no need to wait for a black box to be fitted to start driving
Black box technology – review your journeys and driving skills
Black box (or telematics) insurance can be the most affordable way for many young drivers to get insured, whether you're a new driver or you've been on the road a little while already.
What is black box insurance? A small piece of telematic equipment called a black box is fitted to your car. The black box regularly transmits data about your journeys and your driving style back to the insurer, where it's analysed to calculate your insurance premium.
Many insurers can offer you an annual black box policy giving instant cover, no night-time curfews, better rates for careful drivers and the chance to start earning your own no claims bonus.
If you want your policy to treat you as an individual rather than a statistic, fitting a black box could let you do just that.
With a standard policy, young drivers are rated on general statistics, which means good drivers often pay as much for their car insurance as poor drivers. A policy based on telematics means your premium will be based on your individual driving habits, so you could save money.
The feedback you get from your black box data helps you to see where you might be able to improve your driving, whether that's braking more gently or slowing down on bends. The financial incentive to lower your premium can be really motivating, too!
Parents of young drivers have obvious concerns when their child starts to drive. The feedback provided by black box data can help to reassure them that their child is driving sensibly, or offer opportunities for them to make suggestions that will improve their driving habits.
Black box data helps insurers to build-up a profile of how you drive, which is used to assess your insurance risk. Drivers are provided with secure access to this data, too, via a website or app, so you can see how your driving might be affecting your premium.
Some examples of black box data that might be monitored:
Most black box policies allow you to start driving straight after your policy starts. You'll be sent a self-fit black box through the post - just fit this to keep your policy valid.