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Black Box Insurance

Competitive black box insurance for young and new drivers.
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Home » Car Insurance » Black Box Insurance

What is Black Box Insurance?

Black box insurance or telematics insurance is the smart way to get a competitive quote that rewards safe driving. Black box insurance is ideal for drivers aged 17-24 years of age, 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.

Click here to view our Black Box FAQs

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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 is quick to set up, easy to use and rewards careful customers. Black box data sets the price of your renewal premium based on driving factors like:

  • Speed – By adhering to the speed limit this 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 almost 40 years’ 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 simply follow the steps below:

Obtain a quote

You can start a quote online and obtain a figure in minutes. Alternatively, if you would like to speak to our dedicated young driver insurance team please call 01704 339 328.

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.

Black Box FAQ's

Will black box insurance really make a difference to my premium?

Our young driver team will look to reduce the price of your premium at the renewal stage. This will be based on the information they have collected using the black box device. A reduction in premium could be available at the renewal stage if you have:

 

  • 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 competitive price at quotation stage and renewal.

Will my insurer track my GPS location?

The black box device fitted to your vehicle is designed to track your location whenever a journey is made. We use this location data to administer your insurance policy in line with the terms and conditions. For example, to assess when and how far you drive your vehicle for mileage and night-time driving, to assess your driving behaviour for speeding, and we may use location data if it is relevant to a claim. We may use also this data to assist you in other ways for example, if we believe your vehicle has been in an accident or where it is lost or stolen.

Will a black box restrict where I can drive?

No, a black box insurance policy gives you the freedom to drive wherever you need to. Just make sure you consider your monthly mileage allowance before planning any long-distance trips. Be aware if you regularly exceed your mileage allowance, your insurer could potentially look at cancelling your policy. However, if you have any unused mileage from one month, you will be able to roll this over to the next.

How is the black box secured to protect my data?

The security of your personal data is very important to us. We have worked with our Telematics Providers to ensure both technical and operational security measures are in place to protect your personal data collected by the black box fitted in your vehicle.

How is a black box device fitted?

Depending on the device issued with your policy, this will either be fitted by one of our skilled engineers by appointment or by yourself using the vehicles onboard port.

What if I am involved in an accident with black box insurance?

You must report any accidents, claims, or losses of any kind to your insurer within the first 24 hours of the event, regardless of who you think is responsible or to blame. If not reported within this period, your insurer can charge you a late reporting excess as noted in your policy schedule.

What if my car is stolen with telematics insurance?

We can monitor the location of your black box device, which can aid in the recovery of your stolen vehicle. In the unlikely event that your vehicle is stolen, you would still have to pay for your policy.

What if I get a new car and I already have a telematics insurance policy?

Please make sure that you get a quotation from us before purchasing another vehicle, to ensure that we can still offer you insurance. Once we have completed a change of vehicle quotation for you, we will be able to let you know if there is a change in the price of your insurance. You can make up to a maximum of two vehicle changes on your policy during the policy term.

Can I cancel my telematics insurance policy?

Yes, you can request to cancel at any time. Please refer to your policy terms and conditions for charges that may apply.

Am I covered by telematics insurance if I am abroad?

You must make us aware if you are planning to use your vehicle to travel to other countries. We can then update your policy and issue you with any extra documentation required. The young driver insurance team will also tell you of any changes that may affect your policy. For example, your level of cover will vary depending on where you travel. For further information, please refer to your policy documents.

How long does a black box stay on my car?

The black box device will remain in your vehicle for the time that you are insured with us.

How do I remove a telematics box from my car?

Once your policy term is complete your telematics box will automatically be disconnected. However, if you wish for the fixed device to be removed after the policy term is complete, there will be a third-party charge for removal. Alternatively, if you have a self-fit device, once your policy term is complete, you will need to remove the device from the vehicle yourself. Please refer to your fees and charges document for further information.

What happens if I go over the mileage allowance on a black box insurance policy?

If you go over your mileage allowance, you will be contacted to by a member of our young driver team who will provide you with the necessary information to pay for the extra miles and discuss any other issues you may have.

Is there a black box curfew?

No, there is no curfew on the black box insurance policy. However, in the night-time during the hours of 23:00 to 05:00, you are only permitted to drive up to 10% of your monthly mileage allowance.

What happens if I speed with a black box?

We will regularly review your speed throughout the policy term and contact you to discuss any speeding violations. Excessive speeding can ultimately lead to the cancellation of your policy.

Can I drive at night?

Yes, although there is no curfew, we do have restrictions. This will be discussed with you by a member of the young driver team to ensure the policy is suitable for your needs.

Are there any restrictions on how many miles I can drive?

Yes, but this will be discussed with you in-depth by a member of the young driver team to ensure that you have the right mileage on your policy.

What is an OBD port?

The OBD Port, or Onboard Diagnostic Port, is the location where a black box device can be installed and monitors things like mileage, speed, and other data about your car.