Did you know some car insurance policies give back if you drive well? That’s true for black box car insurance, and it’s a popular option for new drivers who usually face steep premiums.

If you opt for this insurance, you must install a black box that records your driving habits. The information is sent to the insurance company and directly impacts your premium.

In short: the safer you drive, the cheaper your insurance is.

Below, we’ll explore black box car insurance, its benefits and drawbacks, and whether it’s the right option for you.

How does black box car insurance work?

Black box insurance (also known as telematics insurance) uses a small black box that monitors your driving. 

This data creates a driving score and shows how safe you drive. Higher scores are given to safer drivers, and they can lower your insurance premium when it’s time to renew.

Many drivers opt for black box insurance to save money and to adopt safer driving habits. Plus, it makes the roads safer for all—can’t beat that!

What does a black box track?

Black boxes track a range of driving metrics, including:

• Speed
• Acceleration
• Cornering
• Braking
• The time of day you drive

Advantages of black box car insurance

Black boxes come with plenty of benefits, and they’re especially popular for inexperienced drivers and those with high premiums. Here are the main advantages:

• Lower insurance premiums — Consistent safe driving scores can lead to lower premiums and long-term savings on your insurance.
• Rewards for safe driving — Drivers who are responsible and show good driving habits can qualify for discounts.
• Safer roads — You’re more cautious when you know your driving is monitored, which leads to safer roads and fewer potential car accidents.
• Tracking — Black boxes have GPS and can be used to locate cars if they’re stolen.
• Potential add-on benefits — Some black box insurance packages give you shopping vouchers and cashback for safe driving scores.
• Can help with accidents — If you have a crash, your black box data can help prove you were driving at the speed limit and potentially not at fault.

Disadvantages of black box car insurance

The advantages of black box car insurance are impressive. However, before you proceed, take a few moments to consider both sides.

Here are some potential disadvantages of black box car insurance:

• Potential higher premiums — Black boxes are associated with cheaper premiums, but if you’re an unsafe or risky driver, your premiums can actually be more expensive.
• Doesn’t suit all lifestyles — Black boxes penalise you for high mileage and late-night driving. So, those who travel at night or through high-risk areas due to work may be unfairly impacted.
• Privacy impacts — While black box companies have strict data protection regulations, not everyone is comfortable with a company constantly monitoring their driving.

Black box car insurance FAQs

How is a black box fitted?

Black boxes are easy and quick to install and don’t affect your car’s performance. Here’s a step-by-step rundown of a black box fitting:

1. You apply for black box insurance
2. Your insurer will schedule a technician visit
3. The technician installs the black box in a discreet location

All done! It’s that simple—you don’t have to roll up your sleeves.

What if I have to fit my own black box?

In some cases, an insurer will require you to install the black box.

If this happens, they’ll send the self-fit box by post with simple installation instructions. You should follow these and fit the box within the first 14 days, otherwise your policy will become invalid. 

Where is a black box fitted?

Your technician will install the black box in a discreet position—usually under the car’s dashboard. The fitting may change depending on your car’s make and model.

However, you can be confident it’ll be out of sight and mind.

Can I remove the black box?

Technically, yes, you can remove your black box.

But this would violate the terms of the policy and could lead to your insurance being cancelled. 

Who can see my driving data?

Only the insurance company can see your black box driving data.

Companies know privacy is a top concern and ensure your driving data is protected at all times. You can read your chosen insurer’s data protection policy to learn more.

Where do I check my black box score?

Most black box car insurers allow you to check your driver score via an app. This way, you can see how you’re driving and improve your habits if need be. 

Final thoughts

That’s a wrap on the mystery of black box car insurance. This unique policy allows drivers to potentially access cheaper premiums and save money by proving they’re safe on the roads.

Always weigh up the pros and cons before going forward to make the best decision for your driving habits and finances.

Learn more today via the Bumper blog.

How Bumper can help

High insurance premiums can be an unwelcome surprise, and so can last-minute car repair bills.

With Bumper, you can split the cost of repairs into monthly payments at no extra cost. 

Apply online for up to £5,000 and choose from 1,000s of trusted repairers.