Car insurance without a black box
Still the preferred choice for many young drivers
Considering how eagerly each generation embraces new technology, we were surprised to discover that a significant number of young drivers are still keen to buy the more traditional, non-black box insurance.
4 Young Drivers offers both types of cover, so we were keen to learn more about what our customers wanted. From our own website statistics over a three month period, we discovered that drivers made over 33,000 specific searches online for car insurance that doesn’t include a black box.
Black box insurance (or telematics insurance as it’s also known) can be a good way for young drivers to reduce premiums in their first few years on the road. So why is it not always the best option?
Bad drivers will pay higher premiums
Your driving performance is always being monitored, so while safe driving will be rewarded with lower premiums, if you’ve got some bad habits, you could actually pay more with a black box policy.
Regularly driving over the speed limit, hard braking or rapid acceleration, poor cornering or road positioning are likely to lead to higher premiums.
Curfews or journey restrictions
Many accidents happen late at night or when the roads are very busy, so some black box policies impose curfews, with fines or higher premiums if you drive outside the designated hours.
There may also be limits on the number of journeys you make or the distance you travel in any given time period. The logic here is that statistically, the chances of an accident increase the more you drive.
This can make black box insurance impractical for shift-workers or driving during unsocial hours, drivers who make frequent journeys or who regularly travel longer distances.
Black box policies gather large amounts of data about drivers, but while insurance companies take great precautions to keep this information secure from hackers, some drivers still have concerns about privacy.
More than one insured driver
You may be a great driver, but if another person insured to drive your vehicle is not as careful, they could push up the cost of your insurance, as most black box policies won’t be able to distinguish who’s driving.
Should you consider telematics insurance?
Before you rule out a telematics policy, consider some of the benefits you could be missing out on:
Safe driving is rewarded with lower premiums
Saving money is a great incentive to drive more carefully; most drivers with a black box fitted find themselves thinking far more consciously about their driving habits.
Black box insurance uses GPS technology to determine a vehicle’s location at all times, which can be a deterrent to would-be thieves and a useful aid to recovering stolen vehicles.
Black box data can be useful in settling claims
Insurance claims can sometimes use black box data to help settle claims or determine fault after an accident. For example, it will highlight whether an insured driver was speeding, accelerating or braking, as well as the force of impact.
- £100,000 of legal expenses cover as standard
- Affordable payment options
- Wide range of additional products, from breakdown cover to gadget insurance
- No premium increase once you pass your driving test and become a full licence holder
- No restrictive night-time curfews
- 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
Released On 19th Mar 2018