Black Box Insurance Quotes for Young Drivers

There are likely some exclusions on your policy (as with all insurance policies), but don’t fall for the myths – it’s not that restrictive. For instance, you probably won’t be penalised for:

Curfews: Don’t worry; you can still drive when you want.  Very few black box insurance policies have a curfew on driving late at night. However, you are more likely to be in an accident when it’s dark outside. And if it’s a regular habit, you could see a slight increase in premiums.

Long/frequent drives: You aren’t restricted to a trip to Asda and back once a week. You’re not limited to how much you can drive, but again, you may see a higher premium if you log high mileage.

Check for any curfew or mileage limits: It’s rare but not unheard of, some black box and telematic policies can impose a curfew or mileage limit if they want to – make sure this is realistic before you sign on the dotted line.

Shift workers: You must find the right black box policy if you’re a shift worker. Investigate the fine print and ensure you won’t get heavily penalised for driving at night. There’s no harm in picking up the phone from a prospective insurance company.

The device, about the mobile size, is fitted to the dashboard or even under the car bonnet. It’s not something you can do yourself, though.

Once you sign up for the insurance policy, your provider will send out a third-party – an approved installer – to fit the box into your car. It’s worth noting here you need to have the following documents handy before they arrive:

• Your driving licence or documents to show you’ve passed your test
• Your car’s logbook (V5C) to prove you own the vehicle. If you are still waiting for the V5C, you’ll need some other document to show you’ve purchased the car

According to MoneySuperMarket data collected between January and March 2020, accurate as of June 2020

It’s hard to say – black insurance policies, and all insurance policies in general, are individual dependent. Your situation and details will determine your costs.

However, black box insurance is a great way to save a significant chunk on your insurance costs if you’re a very young and inexperienced driver.

As you can see on the table, black box insurance is best suited to young drivers, such as 17 to 19-year-olds. As you get older, it becomes less of a good deal.

Remember, black box insurance serves a purpose – it’s a cheaper way to get yourself on the road. There are some restrictions, but they’re minor. Plus, it won’t be forever – in a few years, regular insurance rates won’t be as astronomical as they are now!

Signing up for black box car insurance is very simple. Once you purchase a policy, your insurer will get someone to come out and install the device in your car. The ‘black box’ is about the size of a pack of playing cards and be placed somewhere that won’t distract you.

Once installed, your insurer will monitor your driving habits and use this data to adjust your premiums!

Drive like a maniac, and you will see much higher premiums. Drive safely, and you’ll get the best bang for your buck.

Usually, black box insurance providers will send you a link to an online dashboard or a smartphone app. You can analyse your driving stats and your strengths and weaknesses. Working on your weak points can improve your driving skills and lower your insurance premiums!

It’s vital to remember that insurers want you to drive safely. It’s in their best interest that you don’t get in an accident (and it’s in yours, too!)

Don’t think black box insurance means you must drive well under the speed limit, though. As long as you follow the rules of the road, black box insurance is a great way to lower your insurance premium.

It’s worth noting – your insurer will only use your driving data to calculate your premiums. It will not share your data with the police unless requested as part of a criminal investigation.