Who is a black box for?
Black box policies were introduced initially to help younger drivers. This category of driver generally faces higher than average premiums due to the statistical likelihood of a loss occurring.
If you’re a careful and conscientious younger driver, standard policies have no way of taking your driving performance into account. With telematics policies, good individual behaviour can be taken into account.
Though they are most commonly used with younger drivers, anyone who would typically pay a relatively high price for their car insurance could benefit. This includes older or more experienced drivers who do fewer miles, or drivers with previous claims or convictions.
As well as giving drivers more control over the cost of their car insurance, it’s hoped that there will be another benefit of black box car technology. The technology incentivises good driving behaviour, so in time it’s hoped that telematics technology will help improve overall standards of driving
To conclude, if you are a considerate driver, drive at ‘off peak’ times of the day or stay away from the more hazardous roads, you could see a reduction in the price of your policy.
As with all insurance policies, you should always shop around for the best deal. When you use our comparison service, we can show you black box car insurance policies alongside standard policies so you can compare easily. Just tick the option to show telematics policies. Use our car insurance comparison service to find the right deal for you.