When it comes to Black Box insurance, or telematics, there is a lot of false information about what data they actually collect.
From reporting you to the police to having a driving curfew, we break down the urban legends and myths surrounding Black Boxes.
Myth 1: All telematics companies set driving curfews
Not all black box insurances set curfews. However, the risk of having an accident is higher at night, so driving frequently in the dark will increase your risk – which could lower your driving score. And unlike many other Black Boxes, there are no curfews, with our FluxScore box, so you can drive at any time of the day or night without worrying about any penalties.
Myth 2: A Black Box can affect the value and running of your car
A Black Box is fitted on your windscreen, and as it doesn’t affect the running of your car in any way, it won’t affect your car’s value or warranty. It also doesn’t interfere with the workings of your car – it only takes a little bit of energy from your battery, and only while you’re driving.
Myth 3: Telematics companies sell your data to third parties
We only use your data to determine how safely you drive so we can reward our safe drivers with discounts on their premium. We never sell your data on – we simply want to let your driving do the talking.
Myth 4: Telematics insurance companies sell your data at renewal to increase your premiums
We’ll never release your driving data unless legally required to do so by the police relating to an incident. This means, should you wish to change to a different insurance provider at the end of your policy, your score will not affect your alternative premiums. However, if you wish to renew with us, having a low score will reduce your premium, so it’s win-win.
Myth 5: Telematics companies will inform the police if I go over the speed limit
We don’t give away any of your data, unless legally required to do so by the police regarding a specific incident. So don’t worry, if you go above the speed limit we won’t contact the police. However, if you’re exceeding the speed limit, this will be picked up by your box and will lead to a decrease in your score. This could mean your premium could increase, so stick to the speed limits to keep your premium low and to keep driving safely.
Myth 6: If you are involved in an accident your Black Box stats are given to the other insurer
Not true, your insurer won’t give your details away unless they are requested by the police. However having your driving data handy in the event of a crash can help prove you weren’t at fault, and what actually happened which is one of the many benefits of having a Black Box.
FluxScore is the UK’s only Black Box insurance policy that could help you to save money on your insurance by giving you daily updates via a smartphone app, and by rewarding good driving with lower renewal premiums.
With our smartphone app installed and your Black Box fitted on your car’s windscreen, every trip you take in your car will be given a points score depending on how well you’ve driven.
At the end of each day, your daily points total is used to determine how safe you’ve been on the road, and a notification will be sent to your phone to let you know how your day’s driving has affected your renewal premium – with a good annual score potentially saving you up to 60% on your insurance next year.
What else should I know?
All the usual Adrian Flux benefits are available with our FluxScore policy, including:
- Protected No-Claims Bonus – so one accident won’t ruin your unblemished driving record.
- Breakdown cover from only £59 a year
- Free legal expenses cover
- Small, discrete Black Box unit.
- No installation fees, the Smartbox is easy to install yourself with no mechanical, electrical or DIY skills required.
- No hidden costs – there is no subscription fee or line rental to pay
To find out more about Adrian Flux’s Black Box policies or any of our other telematics insurance deals visit here or call 0800 369 8590.