Black box insurance is a personalised car insurance policy that’s based on the way you drive and your driving habits. It means your insurance costs depend on how well and safely you drive.
Black box insurance has a few names:
But they all work in the same way - someone fits a black box to your car, or it’s done through your insurance company’s app. It uses the data collected to calculate the cost of your car insurance. The better you drive, the higher your driving score is, and the less you should pay for your policy.
You can improve your score by keeping to the speed limits, accelerating smoothly and braking with plenty of time. Black boxes don’t like surprises, so consistent, safe driving should see the greatest rewards. You usually get tips through a personalised dashboard on how to improve your driving score.
You might get a discount just for getting black box car insurance, but your driving score determines what you pay in the end. Careful, responsible drivers should pay less. A growing number of companies offer black box insurance policies to lower the cost of car cover.