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Black box car insurance

Compare deals for black box car insurance, also known as telematics insurance

black box insurance

What is black box insurance?

Black box insurance, also known as telematics insurance, is car insurance that’s priced based on using technology to monitor your driving.

Your driving will be recorded by a small black box fitted to your car. Your insurer will use this to gather information on:

  • Your speed, braking and cornering
  • The time of day or night you drive
  • The average length of your journeys

Your insurer can use this data to give you a driving ‘score’ and price your premiums fairly, based on how you drive.

If you drive safely and sensibly, your premium might be reduced.

Careful though – your insurance prices will go up if you drive recklessly. Heavy braking and driving above the speed limit are also monitored and can reduce your score, increasing your costs.

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How does black box insurance work?

Telematics insurance tracks your driving so your insurer can see how safe you are on the road. Here's how it works:

1. A black box device is fitted to your car

2. The box uses GPS to measure how you drive

3. Most insurers will have an app or website where you can see your driving feedback

4. You'll get discounts for good driving, either at renewal time or your premium will be adjusted each month

Benefits of black box insurance

Most people will choose black box insurance to get cheaper premiums.

But black boxes can also be used to improve your driving, which has its own rewards. You’ll be more likely to build up a no claims bonus and reduce the chance of having to pay for repairs or make a claim after an accident.

  • Discounts for safe or low mileage drivers
  • Accident tracking
  • Theft tracking
  • Online record to help you monitor and improve your driving

Is a black box right for me?

Telematics insurance is usually aimed at younger drivers.

If you’ve not been driving long, it’s a way to save money on your car insurance by proving you’re a safe driver.

Some providers only allow drivers under 25 to have black box policies. But good drivers of any age could benefit on policies that accept them:

  • If you stay local, have a low annual mileage, and mostly travel short distances, telematics will prove this and might mean you can get cheaper premiums.
  • A black box can also prove you’re a good driver, despite falling into other high-risk categories. For example, if you’re a racing driver or have a driving conviction.
  • If you only drive at low-risk times of day, that can bring your premium down as well. This is almost any time outside rush hour, excluding the middle of the night – which is usually considered higher risk.

What details do I need to get a black box insurance quote?

You need to give us some information so that we can get you some quotes:

  1. About you

    Your date of birth, address and occupation, plus your annual mileage

  2. Your car

    Registration number, make and model. You’ll also need to tell us about any modifications

  3. Your driving history

    Any previous claims, points on your licence and driving convictions

Our expert says…

Telematics is a very useful tool, but any tool is only as good as its wielder. If you ignore your black box and don’t drive carefully or within any pre-arranged limits, you could pay more for your premiums
Ryan Fulthorpe - Motoring expert at GoCompare
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