Black Box FAQs
Frequently Asked Questions
Black Box FAQs – Black box insurance is new, it is revolutionary and you may want to know what it is all about.
We have answered some of the basic questions that you may have about black box telematics insurance, you will find more detailed reports and information throughout the site.
Take your time to browse the site and be sure to come back again, black box reviews are constantly updating with new reviews, reports and all the latest information on the fast moving technological insurance revolution that is black box telematics insurance.
Am I limited in the miles that I drive with black box insurance?
It varies, there are some insurers who will limit the mileage you can drive on your policy and allow you to purchase extra mileage as and when you need it. Other insurers offer unlimited mileage and there are those who are more lenient, as long as you do not drastically exceed the mileage you stated in your policy, there will be no increase in charges.
If I speed or drive recklessly, what happens?
The good thing about Black Box Insurance is that everyone is judged on their own driving behaviour. If you speed consistently or drive unsafely, there will very likely be an increase in your premiums. If you consistently drive this way the insurer could cancel your policy. You will however get regular updates so you can keep track of how you are driving periodically.
A small telematics recording box which the size of a phone will be fitted out of sight in your car which tracks your driving. A technician will visit you to you to fit the box at an arranged time and only takes an hour or so. Generally the cost of this box is included in your overall policy amount. Your insurance will however start immediately, before the box is added. If you want to remove the box or switch insurers, you simply contact the insurance company. Some companies charge for this service, be sure to check before installation.
Who Is Black Box Insurance meant for?
Black Box Insurance is available to everyone, however most companies at present cater mainly for the 18 – 25 market because of the exorbitant cost of insurance for young drivers. At present black box insurance is suited to safer drivers, people who are careful, people that take care on the roads, drive at a safe speed and are conscientious. people who drive low mileage and not at night will benefit the most from this type of insurance. Presently better drivers pay more for insurance to subsidise the more reckless drivers on the roads. Black box insurance has the ability to change this and now people can pay according to their driving skill and not subsidise the inability of others.
Which insurers cover black box insurance?
At the moment black box insurance is relatively new and there are around 15 – 20 in insurers in the market who offer this type of cover. Amongst them are market leaders such as Insurethebox and Drive Like a Girl, there are also other notable brands such as The AA and The Co-Operative. It is apparent that this type of insurance is set to grow and recently at an telematics conference there were some 350 insurers debating the future of black box insurance and how to take this type of policy forward to appeal to the mass market.
Will the black box report me for speeding or other offences?
No, the black box is purely used for insurance purposes and insurers are under no obligation to report any driving habits to the police or any other body. However there have been notable cases where black box insurance companies at the customers request have been of assistance to the police in helping their customers retrieve stolen cars.
What sort of fees are there with black box insurance?
Different black box insurance companies have different fee structures. Generally the cost of fitting the box is built into your monthly premiums. However, you may incur extra costs including a removal of the box fee if you cancel your insurance, miss an appointment fee for the initial fitting of the box, moving the box to a new car and damage to the box that was a result of negligence or tampering. It is important to check with each individual insurers Terms and conditions to get a better understanding of these costs and where they apply.
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