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Black box insurance

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Get a Limited Editions Sleepy Oleg toy*. Don't forget to claim within 10 days of purchase. Ends 14 December. plus a whole year of Meerkat Meals & Meerkat Movies* when you buy through us

Get a Limited Editions Sleepy Oleg toy*. Don't forget to claim within 10 days of purchase. Ends 14 December. plus a whole year of Meerkat Meals & Meerkat Movies* when you buy through us

Get a Limited Editions Sleepy Oleg toy*. Don't forget to claim within 10 days of purchase. Ends 14 December. plus a whole year of Meerkat Meals & Meerkat Movies* when you buy through us

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Update your previous quote
  • See if you could save money with black box car insurance & get a Limited Editions Sleepy Oleg toy*. Don't forget to claim within 10 days of purchase. Ends 14 December.
  • Plus a whole year of Meerkat Meals & Meerkat Movies* when you buy through us

What is black box insurance?

If you’re confident that you’re a safe driver, you can prove it to your insurance provider. Black box insurance, also known as telematics insurance, is a clever way of using technology to get an insurance quote that reflects the way you drive. 

Black box technology is most popular with young drivers and students, who are usually considered a higher risk to insurance providers, because of their lack of experience. Having a black box, and proving you’re a safe driver, could lead to lower car insurance premiums.  

So, if you’re young, but careful behind the wheel, black box insurance could be what you’ve been waiting for. 

Is insurance cheaper with a black box? 

It depends on how you drive. If you fit the black box then hit the roads like a rally driver, you could face bad news when you renew your insurance. If your driving is considered dangerous, your insurance provider may cancel your policy. Some providers run three-strikes-and-you’re-out systems but, if you drive sensibly, using a black box could reduce your premiums.  
 
You may need to wait until your annual renewal comes around to reap the rewards. However, some insurance providers offer monthly adjustment periods, where your premiums change based on the previous month’s driving. 

How does the black box encourage safe driving? 

Your black box monitors when, where and how you drive. It measures things such as:  

  • mileage – if you drive a lot, you could be considered higher risk 
  • speed – do you stick to the speed limits?   
  • steering and braking – do you steer gently or veer violently? Do you brake steadily, in plenty of time, or are you braking too hard?  
  • time – do you drive at statistically riskier times, such as rush hour or at night?  
  • location – are you using busy roads, driving through town centres or using country lanes?  

Your insurance provider can use this information to calculate how good a driver you are and how much your premium will be. 

I’m over 25 – can I get black box insurance? 

There’s no reason experienced and older drivers shouldn’t consider black box insurance over traditional policies.  
 
Quotes compared through Compare the Market from 1 June 2020 to 1 September 2020 show that a black box insurance policy was the most affordable option for 68.90% of drivers 17-20^^. This figure drops substantially for older drivers. However, 26.58% of 25-29 year olds found the black box option cheaper^^.
 
It doesn’t mean you have to get a black box policy, though. You can find plenty of options for cheap insurance without a black box, so it’s always worth looking and comparing all of your options. That’s where Compare the Market comes in. 

^^Based on Compare the Market data from 1 June 2020 to 1 September 2020. 

Is there a curfew with a black box? 

Some insurance providers offer policies that include restrictions on when you can drive. It’s really important that you read your policy carefully, to avoid issues later. There’s no point saving money on your car insurance if you can’t get to work on time. 

Frequently asked questions

Are telematics and black box insurance the same thing?

Yes – telematics is another word for a black box insurance policy. Some insurance providers call their policies telematics; others call them black box.

What does a black box insurance policy do?

With black box car insurance, you can have a policy that reflects how you drive.  

Insurance providers mostly rely on statistics to tell them what kind of risk you pose. But by using a black box fitted to your car, or a smartphone app, they’ll know how you actually drive. They can use this to adjust your premium – which could mean you get a cheaper deal.

So, is a black box fitted to my car?

A black box is about the size of a mobile phone and is usually fitted to the dashboard or under your bonnet. It also acts as a useful tracker, if your car is stolen. Some insurance providers use a smartphone app instead of a black box.  

Can I see my black box data?

Yes, you can – so you’ll be able to see where you do well (and where you might need to improve). This allows you to change your driving habits and potentially bring down your premium in future.

What are the pros of a telematics policy?

Because a black box records how you drive, your premium will be based on your data, rather than on general statistics.

Will black box insurance really make a difference to my premium?

Yes – but it depends on how you drive. If you fit the black box then hit the roads like a rally driver, you could face bad news when you renew your insurance. If your driving is really bad, your insurance provider could even cancel your policy – some providers run three-strikes-and-you’re-out systems. But if you drive sensibly, using a black box could reduce your premiums. 

You may need to wait until your annual renewal comes around to reap the rewards. However, some insurance providers offer monthly adjustment periods, where your premiums change based on the previous month’s driving.

Will my data be shared?

No. Information from your black box is only used to calculate your policy price. And information is only shared with the police if they request it as part of a criminal investigation.

Does a black box insurance policy involve any extra costs?

There isn’t usually a charge for installing the black box. But be warned, there can be a charge for cancelling and disconnecting it.   

Some insurance providers may also charge you if you buy a new car and need to move the box.

What happens if I want to switch insurance provider? Can I take my telematics data with me?

Unfortunately not, and, in most cases, the black box itself also can’t be transferred from one provider to another, which means you’ll have to pay for a new one to be installed.

Will a black box restrict where I can drive?

Some policies come with restrictions on where you can drive. So, check the small print. If you have a long commute or like to travel a lot, you may find that a black box policy is too restrictive for you. 

How can I compare black box insurance quotes?

We make it simple to compare car insurance quotes. Just enter a few details about you and your vehicle and leave the rest to us. We’ll give you a range of quotes and let you find out more about each policy. 

There’s a ‘telematics’ option box, so you can include black box policies with other standard quotes. As with all types of insurance, every telematics policy is different, so always take a careful look at what’s included. 

How much does black box insurance cost?

Average cost of a telematics car insurance policy for 17-20-year-olds
£1,814.49 **
Average savings with a telematics policy for 21-24 year-olds
 £370.92***
Average savings with a telematics policy for 17-20-year-olds
 £1,275.41****
**The average cost of a telematics car insurance policy for 17-20-year-olds was £1,814.49, based on Compare the Market data between 1 June 2020 to 1 September 2020.
***The average savings on car insurance with a telematics for 21-24 year olds was £370.92, based on Compare the Market data between between 1 June 2020 and 1 September 2020.
****The average savings on car insurance with a telematics for 17-20-year-olds were £1,275.41, based on Compare the Market data between 1 June 2020 to 1 September 2020.

What do I need to get a quote?

To get a quick car insurance quote, you’ll need to tell us about:

  • your car – you’ll need the registration number to buy a policy
  • how you use your car (for business, leisure or commuting) and how many miles you drive in a year
  • your no claims discount
  • your driving history – any claims, accidents and driving convictions from the past five years
  • additional drivers – if you want to add additional drivers to the policy, we’ll need a few details about them
  • your personal details, including your name, address, age and occupation
Start a quote

Why use Compare the Market?

50% of customers could save up to £283^^^ on their car insurance premium 95.5%^^^^ of customers found our car insurance experience easy or very easy. Enjoy Meerkat Meals and Meerkat Movies*

^^^Based on Online independent research by Consumer Intelligence during August 2020 50% of customers could save up to £283.41 on their car insurance premium.
^^^^For the period 1st June 2020 to 31st August 2020, 2,029 people responded to the question “When completing a quote using CtM, how did you find it?” 1,938 responded with ‘easy’ or ‘very easy’ (95.5%).

Daniel Hutson

From the Motor team

What our expert says 

"There’s evidence to show that having a black box in the car can help drivers to be more aware and drive more safely. Plus, a telematics policy can be the cheaper option, and not just for younger drivers."

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