If you are a young driver, the prospect of finally being able to drive may have been sharply deflated when you learnt how high car insurance costs can be for young drivers, student drivers and learner drivers.
For those over 25 who drive their car infrequently or are an older driver, increased car insurance costs can also come as a shock.
If you are under 25, the chances are that driving a car is a necessity for you to gain some much-needed independence and keep up your wide range of work and social commitments.
Black box car insurance is an ideal way to obtain cheaper car insurance as a young driver. If you drive irregularly or are an older driver looking to make savings on your car insurance, you may also be interested in black box or telematics insurance policies.
According to theguardian.com, black box policies are ‘slashing the cost of car insurance for young drivers, many of whom often struggle to find affordable cover. Figures have revealed a 40% surge in the space of a year in the take-up of so-called telematics-based motor insurance policies’ 1.
Enabling you to access cheaper car insurance and reduced premiums on renewals, black box car insurance is a unique offer you won’t want to miss.
Here’s a quick and easy guide to black box car insurance with all the important details you need to know before you buy.
Black Box Car Insurance For Young Drivers Explained
What is black box car insurance?
It is never fair to lump everyone together. If you are a young driver, student driver or learner driver under the age of 25 and over 17, you’ll probably be feeling rather put out by the large car insurance costs you face.
Drivers who drive infrequently and older drivers can also be penalised when it comes to car insurance policies too.
Black box car insurance policies, also known as telematics insurance, provide a powerful way for you to get cheaper car insurance and lower your future car insurance payments at renewal, by proving that you are a safe driver. Your black box insurance policy will require you to have a black box fitted to your car to track your driving behaviours and provide solid evidence that you are a safe driver.
When you renew your car insurance policy, you can use the data from your black box to show you drive safely and deserve to pay cheaper car insurance premiums.
How does black box car insurance work?
Black box devices use telematics technology to record how you drive on a regular basis. By documenting how you drive, your telematics device can provide your car insurance with a clear picture of your driving habits. The data from your telematics device can be used to reduce your future car insurance payments by showing you drive safely.
Your black box device will keep track of:
- Your driving speeds in accordance with the speed limits.
- How high your mileage is.
- The types of roads you drive on, such as busy main roads or country lanes.
- Whether you interrupt long journeys with breaks.
- If you spend a lot of time driving at times of day and night that are deemed more risky, such as rush hour or late in the night.
- How often you brake or accelerate suddenly.
This data is recorded and stored for use when it is time to renew your car insurance. At renewal, your car insurance provider will use the data collected by your telematics device to calculate your car insurance premium according to how safely the data shows you drive.
How is a black box fitted?
Your black box telematics device can come in the form of a small black box, a plug and play device or a black box app on your phone. Your telematics device is external data recording technology so it won’t interfere with the inner workings of your car.
You won’t have to pay to have your black box fitted. Your black box will be installed by an engineer from your insurance provider in the location of your choice. The fitting of your black box is a quick and easy job that will be completed in less than an hour.
When will my black box insurance cover start?
Although you will have a scheduled appointment for your black box to be fitted, your black box insurance cover will begin immediately.
Why choose a black box insurance policy?
If you are a safe driver, a black box insurance policy can be a great way to lower your insurance premiums with a personalised quote that reflects how you drive. If you are a safe driver, telematics insurance policies can enable you to gain some control over your car insurance costs.
With a black box insurance policy, you can also benefit from free extras such as, anti-theft tracking and irrefutable evidence of your driving for future use. Get your free quote for black box car insurance today. For cheaper car insurance and lower car insurance premiums compare the best black box car insurance quotes now to get a quote.