Black box (also known as telematics) car insurance can offer cheaper car insurance by monitoring your driving. If you drive safely you could pay less for your cover.
Who is black box insurance for?
Drivers with previous convictions
Anyone struggling to find an affordable policy
Who is black box insurance not for?
Look out for driving restrictions
Most black box policies limit when and how much you drive, for example:
Driving curfews: You may be charged extra if you drive at dangerous times, for example between 11pm and 5am or during rush hour.
Mileage limits: This is maximum distance you can drive, for example 10,000 miles per year. You will have to pay per mile if you exceed the limit.
Our table shows the restrictions each policy has in place, so take these into account when looking for the best quotes.
For example, if you have to drive at night for work look for a policy with no driving curfew because you could face a charge of up to £100 if you break it.
Look out for extra fees
Some black box policies charge fees that you will not face with standard car insurance, such as installation which can cost up to £50.
You should also think about costs you may have to pay after you have taken out your policy:
Changing car: up to £100
Damage to the box: up to £150 if deliberate and your policy could be cancelled
Make sure you get the right level of car insurance too, and do not just focus on finding the cheapest black box policy.
Black box insurance FAQs
What is a black box?
It is a small box about the size of a smartphone installed in your car that tracks your driving. Here is how a black box policy works.
Where is the black box fitted?
An engineer will come and install it under the dashboard, but some insurers will send you a box you can plug into the 12V outlet yourself.
What does it track?
It measures your speed, braking, acceleration and corning. It also measures at what time of day you driving, and how many miles you travel.
What happens if I drive badly?
The cost of your car insurance could go up. You should only take out a black policy if you are confident you will drive sensibly.
What happens if my black box breaks?
Most insurers will replace or repair the box for free if the damage was not your fault, but If it was deliberate you could be charged up to £150.
Do I need to do anything to manage the black box?
You do not need to do anything to the box once it is installed, the data is sent remotely to your insurer.
Can I get the black box removed at a later date?
This will depend on your insurer but most will remove the box if you leave or cancel your policy at no additional cost.
Can it help locate your car if it is stolen?
Yes, most black boxes use GPS, so you can track your car if it has been stolen.
Can I read reviews of black box insurers?
Yes, you can find reviews of all car insurers, including those that offer black box cover, on our car insurance companies page.
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