What you need to know about black box insurance policies
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  • What you need to know about black box insurance policies
  • 14 October 2022
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    What you need to know about black box insurance policies

    What is a black box insurance policy? and how can it benefit you? A telematic could be ideal for you, especially if you're trying to save money.
If you are a young driver, or you have recently passed your driving test, you may find that many of your insurance policy quotes are very highly priced. This is because you are deemed to be at a higher risk of being involved in an accident. One way to work around this, is to look into black box or a telematics insurance policy. But what is this?

A black box, or telematic, is a small device that is fitted into your vehicle, often behind the glove box. It is used by insurance companies to monitor how you are driving, including your speed, the time of day and location. More often than not, you can also track these things yourself too, as most insurance companies offer an app alongside their black box policies. On some apps, you can track what your 'score' is overall and what you have been scored for each journey.

This sort of policy ensures that you are driving safely and, therefore, you can be offered a quote that is much lower in price. 

There are many different types of black box policies, which all track different sorts of things. If you are considering a black box policy you need to do research into what is available and what will be most suitable for you. 

What are the factors that can be monitored by a black box?

  • Speed - Are you obeying the speed limit?
  • Smoothness of your journey - how you brake, how you move off, steer and accelerate, etc. 
  • The time of day - It's deemed as more dangerous to drive at night.
  • Length of your journey's
  • Location - the black box doubles up as a gps. 

If you are a safe driver, you have nothing to worry about, and the black box won't effect you in anyway, negatively. In fact, some insurance companies reward their customers for driving safely, with things like gift cards or money back. You will also be guarantee'd a low priced renewal quote.

However, if the black box deems you to be an unsafe driver this can effect your insurance premium, and it may even increase in price, so make sure to read your terms and conditions. In some severe cases, your policy may even be cancelled. 

There are some things you need to pay careful attention too when looking for a black box policy, these include;

Benefits - will you be rewarded for driving safely? Compare different policies. 
Penalties - What happens if you drive unsafely? Will your policy be cancelled?
Extra charges - Some insurers may charge you for installation and removal of the black box.
Limits & restrictions - Some black boxes have curfews, speed limiters, or even limit the amount of miles you can do.

Is a black box policy for you?

This is something that you need to decide personally. We believe that they are ideal for new drivers, to bring their insurance premium down. However, we would reccomend to do as much research as possible and make an educated decision. 


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