What is black box car insurance?
Black box car insurance – also known as telematics insurance – is a type of cover often used by drivers facing high insurance premiums. It benefits new and young drivers in particular who don’t have as much experience on the road and therefore face insurance costs in the thousands.
The black box device monitors aspects of your driving like your speed and how you brake and rewards safe driving with lower premiums.
You can find out more about how telematics insurance works by reading our guide to black box insurance.
How much can telematics insurance realistically save me?
A typical telematics insurance quote can be hundreds of pounds cheaper.
Based on our research, a 17-year-old driver who’s recently passed their driving test is likely to pay £2,700 for a fully comprehensive policy. Compare this to an average of £1,500 for a fully comprehensive telematics policy from Adrian Flux. And with save driving, your renewal price can go down to under £1,000.
What are the pros of black box car insurance?
Still unconvinced that a telematics car insurance policy is right for you? Here are five pros of taking out black box insurance with us:
Get more answers about our telematics insurance by visiting our page on FluxScore support FAQs.
No, we make it a priority to ensure your data is protected. The data recorded by your black box is only used to work out your insurance premiums. Please note that information might be shared with the police if requested for use in criminal investigations.
Some insurance companies will also share information with your caregiver without a second thought.
According to a recent study, it was found that young drivers drive more safely when their parents have access to the data collected from their telematics device. As a result, it’s no surprise that some insurance providers make it mandatory for black box information to be shared with parents of young drivers.
At Adrian Flux, we understand that if you’ve recently gained the freedom of being able to drive whenever you want, you might not always want to share your trips with parents. That’s why we allow you to decide whether or not you want to share your information with your parents.
Yes – so long as you have a good record of safe driving while using the app, telematics insurance is a great way of saving money.
If you consider yourself a safe and responsible driver, it’s definitely worth getting a telematics box. In fact, according to This is Money, the policies are so widely praised that older drivers are increasingly choosing to apply for telematics insurance schemes too.
Plus, once you’ve proved that you’re a safe driver to us, this translates to cheaper regular car insurance too. We can also offer a no claims bonus for claims-free driving even when you’ve got a black box, which will help reduce your premiums the next year you take out cover.
There have been a number of recent news reports that black boxes have incorrectly recorded the driver as either driving when the car was still in the garage or driving in a different location to where they actually were. Whilst technologies aren’t always faultless, mistakes are usually few and far between.
However, if you feel your black box isn’t working properly, call us and we can help.
Black boxes can be useful if you’re facing high premiums. This makes them particularly suited to young, new and convicted drivers.