What is telematics insurance?
Instead of paying for insurance based on the average driver, telematics insurance is based on when and how YOU drive. You can’t say fairer than that! If you’re willing to prove that you’re a safe driver you could pay less for your cover with a telematics car insurance policy.
Also known as black box or smart box insurance, telematics policies offer personalised insurance based on when and how YOU drive. To find out more about the technology read our telematics guide.
Telematics insurance could save you money
Telematics is great for anyone who wants to take control of their insurance costs. If you’re unlucky enough to fall into one of the high risk groups, you’ll likely be looking at high premiums to insure your car. Telematics is especially good for those in high risk groups such as:
- young drivers
- inexperienced drivers
- less frequent drivers with a low annual mileage
If you fall into one of these groups telematics insurance could help you pay cheaper premiums, but it's great for anyone who's a safe driver.
How to find a telematics policy
Simply compare car insurance using our simple online form and we'll find the cheapest quotes for you from our panel of 130 motor providers.
Look for insurers who offer telematics 'blackbox' policies in your list of results.
How does telematics work?
All you need to do is fit a ‘black box’ into your car. By tracking your vehicle’s movements through GPS systems, your insurer can see how well you drive and the duration of your driving. It’s a lot less ‘big brother’ than it sounds and the information you provide through the black box could save you money on your premiums in the long run.
Your policy may specify that you don’t drive between certain hours when serious accidents are most likely to happen (usually late night or early morning). This doesn’t mean your car is uninsured during those times, just that a penalty is payable in the event it does happen.
If you’re frustrated at having to pay a high premium, telematics could be the answer to your car insurance problems. Telematics 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.
Find out more about telematics technology
