Instead of paying for insurance based on the average driver, black box policy premiums are based on when and how YOU drive. You can’t say fairer than that!
Insurers know that serious and fatal accidents are most likely to occur late at night or early in the morning. With this in mind, you may be able to lower your premiums by agreeing to not use your vehicle during these hours. This doesn’t mean your car is uninsured for that time, it simply means you may incur a penalty if you do drive during this period.
As well as high risk groups, black box insurance may be suited to occasional low mileage drivers who are paying premiums based on average figures. Having a box installed is a lot less ‘big brother’ than it seems and if it makes you drive more carefully, surely that’s a good thing – right? By installing a box in your vehicle, you could be on your way to making a saving on car insurance.
If you’re frustrated at having to pay a high premium, black box insurance could be the answer to your car insurance problems. Black box cover often comes with other benefits like free anti-theft tracking and personalised online records of your driving. Great for younger drivers or anyone who wants to take control of their insurance costs.