Telematics car insurance for young drivers will track your driving and can give you cheaper insurance. Also, know as Black Box Car Insurance and Smart Box Car Insurance
What is telematics car insurance?
Telematics car insurance is all about a small “Black Box” the size of a Smartphone fitted to the car hidden under the dashboard.
The black box tracks and feeds information on how you drive back to your own “Telematics App” allowing you to view your driving skills.
Telematics car insurance helps you to monitor your driving and rewards responsible drivers with cheaper insurance.
The critical functions tracked by the black box are:
- Location – the type of roads you drive on
- Time of the day you are driving
Telematics car insurance technology can:
- Track the location of a car if stolen
- Acts as an independent witness to an accident, and can assist in managing a claim.
Black Box technology, sends your driving details to your online dashboard. You will be able to see how safely you drive helping to improve your knowledge and skills.
Your dashboard will also show:
- If you accelerate fast
- If you brake hard
- How far you drive
- If you drive on rural roads or motorways
Telematics car insurance premiums based on your driving, not other drivers
The time of day you drive, as well as your driving habits, can make a big difference on your driving record. For example, road accidents are far more likely to occur at night and during rush hour than at other times of the day.
Night time driving curfew
Add an experienced driver to your car insurance
No claims discount
With Black Box insurance policies, there are always marketing offers such as “Points Schemes” or “No Penalties for Late Night Driving”. Great, but don’t forget to think ahead!
Provisional licence holders!
A few insurers, also offer telematics car insurance to learner drivers as well as full licence holders.
You can take out Black Box insurance while learning to drive with family or friend’s and continue with the Policy after passing your driving test.