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Telematics car insurance

Telematics car insurance

Compare telematics car insurance policies (black box insurance)

  • Find insurance policies that are tailored to your driving behaviour
  • Monitor your driving behaviour online
  • Get a built-in tracking device in case of theft

 

  • Over half of all drivers expected to switch to telematics by 2017

    57% of drivers believe they will switch to a black box insurance policy by 2017. The study into the relationship between driving habits and insurance found that a wide cross-section of motorists are open to the idea of pay-how-you-drive-based car insurance
    Gocompare.com survey, February 2012
  • What's the thinking behind pay-as-you-drive insurance?

    Most insurers currently price policies based on a series of generalisations around claims experience, location, age and the type of car. Most don't consider an individual's actual driving habits until they have built up a record of safe, claim-free or incident-free driving over a number of years and have subsequently earned a no-claims discount
    Scott Kelly, car insurance expert
  • Pay-as-you-drive insurance benefits good drivers

    Simply on the basis that these motorists are happy to have their driving monitored suggests they're probably decent drivers. After all, you're not going to sign up for this product if you repeatedly and knowingly break the law, or drive haphazardly
    Penny Searles, director of Wunelli
  • Pay-how-you-drive can educate inexperienced drivers

    Young drivers can use it as a mentoring and development tool, plus the presence of the box can help alleviate peer pressure. If you've someone in the passenger seat urging you to drive faster, it's not a big deal to say 'I can't, I've got an insurance policy that looks at my driving'
    Penny Searles, director of Wunelli
  • Get the insurance price that your driving deserves

    (The insurance policy from Insurethebox) gave me the unique opportunity to prove myself on the road. It gives the driver the opportunity to break away from the stereotypes that exist around young drivers. My driving habits are picked up by the black box, and, dependent on my driving, I get a quote that mirrors this behaviour
    Tom Mcluskey, young driver from Romford
  • Tracking device a bonus for customers

    The tracking device really swung it for me, it's something that would normally cost hundreds of pounds
    Alex Crooks, web developer from Portsmouth
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Why choose Gocompare.com for telematics car insurance?

Telematics car insurance - also known as black box insurance, GPS car insurance, smartbox insurance, pay-as-you-drive insurance and usage-based insurance - works either through a small black box device that is fitted to your car or a mobile phone app which can collect the following type of information:

  • The speed that you drive
  • Braking and accelerating habits
  • Distance travelled
  • Time of day that you travelled
  • Types of roads you travel on

Furthermore, the black box or smartphone app acts as a tracking device, so if your vehicle is lost or stolen, you (or the police) can find it sooner.

Did you know...?

  • Black box insurance has been on the UK market since 2008
  • First-time car insurance customers saved an average of £821 with insurethebox usage-based policies[1]
  • 92% of drivers think that their car insurance premiums should be based largely on the way they drive[2]
  • 57% of drivers believe they will switch to such a policy by 2017[2]

Such policies offer an innovative solution to rising motoring costs, but remember that not all insurers will monitor the same things, and the way they handle the data and allow access to it can also differ.

Read our guide for more in-depth information and guidance, and take a look at the frequently asked questions.

In the quotes process itself you'll have the option of separating dedicated black box policies from traditional car insurance options, again giving customers the ability to compare specific details of the pay-how-you-drive deals.

You'll also have the option of comparing telematics quotes with standard quotes to assess whether a black box could be a sensible choice for your insurance requirements.