Black Box Insurance for New Drivers
A black box (or telematics) insurance policy can be the most affordable way for some young drivers to get insured, whether you're a new driver or you've been on the road a little while already.
Don't be daunted if this is the first time you've had to arrange insurance - we've made it quick and easy to get a quote and arrange instant cover.
We’ve teamed up with Marmalade to offer annual black box policies, with instant cover, no night-time curfews and better rates for careful drivers.
- No premium increase once you pass your driving test and become a full licence holder
- No restrictive night-time curfews
- Black box technology – review your journeys and driving skills
- Instant cover – no need to wait for a black box to be fitted to start driving
Searching for your first car insurance can be a daunting experience, but we make the process as smooth as possible. Recently qualified drivers and even learner drivers can get an online quote in just a few minutes; our friendly UK call centre staff are always happy to answer questions about insuring your car for the first time.
What it covers
- Available for 17 to 24-year-olds
- Provisional or full licence holders
- For vehicles up to 1.4cc engine size only
- Cover for vehicles up to 9 years old
- Drivers must be accident and conviction free
- A parent or guardian must be a named driver on the policy
Not sure if Black Box insurance is for you? Read why many young drivers still opt for traditional insurance policies. Or get a quote for car insurance without a black box.
Why is car insurance more expensive for new drivers?
It’s going to take a while to build on your new qualification and gain experience behind the wheel. This makes first time drivers a higher risk for insurers, hence the higher premiums.
The good news is, our black box policies for new drivers offer excellent value and you’ll be earning your own no claims bonus from day one.
What is Black Box Insurance?
A small device called a black box will be fitted to your car. It will transmit your driving data back to the insurer and then be used to calculate your insurance cost.
What does a black box monitor?
Some examples of data that might be used are:
- Driving performance (such as speeding, acceleration, braking and cornering)
- Number of trips and average journey time
- Distance travelled
- Time of day or night
- Types of road you use (country lanes, motorways, known dangerous roads)
How is black box data used?
The data recorded is used to build-up a profile of how you drive and assess your insurance risk. Some insurers may provide a website or app where you can login and securely view how you are performing.
This can lead to cheaper car insurance for some new drivers because your premium will be based on your driving style rather than general statistics.
Can you drive before a black box is fitted?
You may be able to drive for a short amount of time before the device is fitted, but you will need to check with your insurer. For example, with We Are Marmalade you have 14 days to get the telematics box installed.
Some tips for first time drivers
Pass Plus driver training
Pass Plus is a practical training course which aims to improve a driver’s skills and safety. It’s ideal if you’re gaining experience in the first year after passing their test, and may help you to secure a discount on your insurance.
Don’t risk being uninsured
Although car insurance for new drivers can seem expensive, the alternative if you’re caught driving without it could result in steep penalties such as a large fine, court proceedings, a criminal record and having your vehicle seized and destroyed. The temptation simply isn’t worth the risk.
Should you have your own insurance policy?
New drivers often have permission to drive a parent’s car occasionally – if this describes you, you might consider being insured as an additional driver under their insurance.
Whilst this is an option, putting off the time when you start earning a no claims bonus in your own name (and saving money) is only delaying the inevitable.
If you’re more than just an occasional driver on your parents’ car (i.e. you are the main driver), or you have already bought a car of your own, you must take out the insurance in your own name.
Pretending that a parent is the main driver of your car to get a lower premium is a type of insurance fraud "Fronting". That's an offense which will invalidate your insurance policy and possibly lead to a criminal record.
We've written more about fronting and when you should insure a car in your own name here.
- Teenage Driver Insurance
- Learner Driver Insurance
- How the No Claim Bonus system works
- Rules for Learner Drivers
- Rules for Supervising Learner Drivers
- Student Driver Insurance
- Should you take your car to University?
- What are the best cars for young drivers?
- After the Test - Tips to help new drivers gain experience and have fewer accidents