What is Black Box Insurance?
Black box insurance or telematics insurance is the smart way to get a tailored quote that rewards safe driving. Black box insurance is ideal for drivers aged 17-24 years of age, who may be considered a higher risk by insurers due to their lack of motoring experience. The black box device monitors driving behaviour and could reward you with cheaper insurance premiums.
Is Black Box Insurance Worth It?
The information collected by your black box measures how safe you are driving and calculates your renewal premium based on your driving performance. This could lead up to as much as a 40% cost reduction at the renewal stage for careful drivers.
The additional benefits of black box insurance with Acorn include:
- Access to a dedicated UK-based call centre
- Theft tracking if your car is stolen
- Direct telephone, text, and email alerts
- Receiving a No Claims Bonus certificate at renewal, if no claims are made
A black box rewards careful and safe drivers. The black box data sets the price of your renewal premium based on driving factors like:
- Speed — By adhering to the speed limit will make you less of a risk to insurers. Also, by driving sensibly you will have more time to react to potential dangers on the road and reduce the risk of being involved in an accident.
- Mileage — If you exceed your monthly mileage allocation this will result in your mileage costs being increased during the policy term. However, should this continue to happen, this could lead to your policy being cancelled.
Why Choose us for Your Black Box Insurance Quote?
We are specialists in insurance for young drivers and with over 40 years of experience in providing personal vehicle insurance to UK drivers you are in safe hands. If you are considering black box car insurance to see how much you could save, then follow the steps below:
Obtain a quote
Purchase the policy
You can buy online or over the phone and once purchased you will receive complete guidance on your black box installation. We will confirm if the device installation is to be carried out by you or with one of our skilled telematics engineers.
Drive with confidence
Once installed you can drive as normal and a member of our young driver insurance team will contact you with any important updates about your driving.
Black Box Insurance Explained
The policy terms run for 12 months with mileage ranging from 1,000 to 12,000 miles depending on your needs. This is then broken down into a monthly allowance, with your night-time driving allocated 10% of this. If you are concerned about the cost of going over your mileage allowance? Don’t be. At roughly 15p per mile, exceeding your allowance does not cost a fortune and our dedicated young driver insurance experts are on hand to inform you how much you have gone over and how to pay using our simple online payment facility.
Hard-Fitted Device Black Box FAQs
Will black box insurance really make a difference to my premium?
- Driven safely and kept within the speed limits
- Remained within your mileage allowance provided
- Driven carefully during the times set out in the policy documents
- Avoided getting any driving endorsements
You will not receive a reduction of your premium during the initial policy term, however, but having a black box device fitted can allow us to provide a bespoke price at quotation stage and renewal.
Will my insurer track my GPS location?
Will a black box restrict where I can drive?
How is the black box secured to protect my data?
How is a black box device fitted?
What if I am involved in an accident with black box insurance?
What if my car is stolen with telematics insurance?
What if I get a new car and I already have a telematics insurance policy?
Can I cancel my telematics insurance policy?
Am I covered by telematics insurance if I am abroad?
How long does a black box stay on my car?
How do I remove a telematics box from my car?
What happens if I go over the mileage allowance on a black box insurance policy?
Is there a black box curfew?
What happens if I speed with a black box?
Can I drive at night?
Are there any restrictions on how many miles I can drive?
What is an OBD port?
Self-Fitted Device Black Box FAQs
What are the benefits of Better Driver by Acorn?
How does the device and app work?
Who is the Better Driver by Acorn policy suitable for?
How do I buy a Better Driver by Acorn policy?
What driving behaviours does the device monitor?
The device and app will monitor your driving behaviour throughout your policy, covering speeding, eco-driving, time of day and duration.
Time of Day
There are certain circumstances which may lower your driving score as there is a greater risk of potential accidents. For example:
- The period after midnight to the early hours of the morning is the highest risk zone.
- The midweek commuting periods are also high risk based on the potential number of accidents that can happen, if you are also driving this time at high speeds, this will lower your driving score.
Trips which involve more than 2 hours continuous driving can greatly increase the risk of serious accidents. This can be caused by things like tiredness and lack of concentration. Your driving score will decrease for every trip that you drive for 2 hours or more.
Your speeding score is based on the number of times your actual speed exceeds the speed limit specified for road types. Exceeding the limit will lower your score regardless, but exceeding on a country lane will bring your score down more than if you were driving on a motorway, for example.
Eco Driving can be defined in many different ways. We are measuring this by combining certain driving behaviours (forms of acceleration) into a simple score. You score will be determined by three different behaviours:
- Braking, and