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*51% of consumers could save £523.47 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next six cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from August 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
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Black box or no black box?
If you’ve just passed your test as a young driver, you’re probably asking yourself that question right now.
It’s a heated debate – and there’s no right or wrong answer. It’s all about the option that best fits your individual circumstances.
Black box – or telematics – insurance can help you save on your future premiums, as long as you’re a careful driver, but it’s not the right choice for everyone.
If you’re worried about your privacy, anxious that one driving mistake could cost you next year, or you simply want to hit the road without feeling restricted, insurance with no black box could be the best choice for yo
What is no black box insurance?
In a nutshell, no black box insurance is a policy that doesn’t need a black box – also known as telematics – to be fitted.
That means your insurer won’t be able to monitor your driving habits. There’s no data sharing and no loss of privacy.
Unfortunately, this freedom can cost you, especially if you’re a young driver.
But if you don’t mind trading a higher premium for the knowledge that your insurer isn’t tracking your every move, then insurance without a black box could be well worth the extra expense.
Why choose insurance without a black box?
You value your independence
Calling all free spirits! If you like spontaneously jumping behind the wheel and heading out on the open road, you might be best suited to an insurance policy that doesn’t require a black box that can feel restrictive.
You’re not a very confident driver
When you’ve just passed your test, you’ll be clued up on all the basics, but it can still take a while to get comfortable with driving. Knowing a black box will catch those awkward corners or sudden stops could add to your anxiety and make you hyper-aware of every action.
You drive a lot of miles
Not all black box insurance policies come with a mileage restriction, but if you drive a lot of long distances each week, you might be better off with a no black box policy that won’t have any limits.
You often drive at night
With driving becoming more dangerous after dark, some black box insurance policies will include a curfew. If you don’t want any driving restrictions or work a night shift, then insurance without a black box could be a better fit.
You’re concerned about fluctuating premiums
The big advantage of black box policies is that you can earn a reduction on your next premium if you’re a careful driver. If you’d rather not wait and see whether you’ve earned a discount or not, you might want to give this route a miss.
You have privacy concerns
Black boxes aren’t exactly Big Brother, but they do monitor when, where, and how you drive. If you’re concerned about sharing your data or having your privacy compromised, telematics insurance probably won’t be right for you.
Is car insurance without a black box more expensive?
It can be, especially for young drivers.
Black boxes are popular with insurers as they can act as a deterrent against reckless driving. If you’re tempted to push the speed limit or brake late because you’re busy singing along to your new Spotify playlist, you’re more likely to end up in an accident. But have a box monitoring your every move and you might be more careful.
The extra risk that comes with no black box insurance for young drivers can lead insurers to push up their prices. It’s up to you whether or not that higher premium is worth the extra freedom of driving without a black box.
How can I get car insurance with no black box?
Find the most suitable premium with our top tips for getting a great deal on your no black box insurance:
- Choose a cheaper, smaller car
- Keep mileage low
- Increase your voluntary excess
- Pay annually
- Add an experienced named driver
- Compare quotes
Choose a cheaper, smaller car
A used car with a small engine will typically land in a low insurance group and be cheaper to cover.
Keep mileage low
Always be honest, but don’t be tempted to over-estimate your mileage. If you only drive 5,000 miles a year but get a quote based on a 10,000-mile average, you’ll be paying over the odds for no reason.
Increase your voluntary excess
Voluntary excess is the amount you agree to pay towards an accident or repair before your insurance kicks in to cover the rest. The higher your excess, the lower your premium is likely to be.
Pay annually
If you can afford to pay your full year’s premium in one go this will usually be cheaper than splitting it into 12 monthly payments.
Add an experienced named driver
While you shouldn’t claim anyone else is the car’s main driver if you are (that’s known as fronting), you can add a more experienced person as a named driver. Having a parent on your policy could help save you some money.
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