Black box insurance

Black box insurance for new drivers

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Black Box Insurance

Save money with a black box car insurance policy

Black box insurance might sound like something from a sci-fi film. But it’s actually a brilliant way of helping young people to drive safely to get the cheapest insurance possible.

Why choose black box insurance?

Insurance for young people is expensive. There’s no getting around that. The fact is, your first six months on the road are when you’re statistically most likely to have an accident. You’re a high risk to insurers – and that’s why they charge you top dollar for an insurance policy.

Black boxes (also known as ‘telematics’ or ‘tracking devices’) are nifty little machines, which, when fitted to your car, give insurers information about your driving. If they judge you to be safe and cautious, they’ll see you as a lower risk and reward you with cheaper insurance.

Why use black box technology?

The most obvious reason for using black box technology is the savings you can make on your premiums. Insurance companies calculate the cost of your insurance according to general trends and statistics. If you’re between 18 and 21, you’re in the highest risk category for serious accidents – the kind that could total your car and damage several others.

However, if you can prove to your insurer that you’re the exception to the rule, you become an attractive customer – one they’ll try to keep by offering you discounted premiums.

Curfews and reduced mileage are other options that black box technology makes possible – although it’s perfectly possible to take out a policy with no curfew, say, if you want to drive at night.

The second advantage to using telematics technology is that it helps you develop good driving habits for life. As well as making you safer on the roads, this will make for cheaper insurance over time, as you can start building a no-claims history.

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What you need to know about Black Box Insurance

Key features, requirements and advantages of a black box car insurance policy

Full disclosure

Telematics enable the insurer to see everything about your driving – how much, how fast and how erratic or steady.

Limited driving

Agreeing to limit your mileage and night time driving – and being able to demonstrate you’ve stuck to it – will mean a reduction in premium.

Future discounts

Assuming you behave yourself behind the wheel, having a black box fitted to the car will likely ensure future discounts at renewal.

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New driver? You could save money with a black box insurance policy

Call today and we’ll find the right policy for you.

What is a black box?

A black box is a little machine about the size of a phone that’s fitted to your dashboard. This device uses a satellite to collect information about your driving – for example, speed, braking, accelerating and cornering – which it sends it to your insurer, who uses this data to assess the safety of your driving.

In addition, a black box can be used to monitor the times at which you drive, if you chose to take out a policy with a curfew – or the number of miles you tot up, if you take our a policy with limited mileage.

What is black box insurance?

Once your insurer has a good picture of your driving, they can offer you premiums that reflect that assessment. This can happen after as little as three months.

Some kinds of black box insurance monitor only the safety of your driving, while others give you the possibility of further reducing your premiums by limiting the number of miles you can drive, or setting a curfew – which normally prohibits you from driving at night, when most accidents happen.

What is the cheapest kind of telematics insurance?

It’s hard to answer this question, as each individual case is different and will depend on the kind of car you have, as well as your age and how many driving years you have behind you.

However, as a general rule, the less you’re on the road and the more safely you drive, the cheaper your insurance will be as a young driver. You could, for example, take out a policy that rewards you for driving safely, as well as for avoiding night driving and long journeys. Alternatively, if you prefer to have no curfew, you can opt for insurance which only monitors your driving style.

Learner driver? Want to save money?

Call today and we’ll find the right policy for you.

0333 305 5116

Contact us