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Telematics Insurance

Find out more about telematics and black box policies

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  • Compare telematics and black box cover
  • Get cheaper premiums today
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Which car insurance brands do we work with?

We compare dozens of the biggest insurance providers in the country, including:

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Tell us a little about yourself, your car and the type of cover you need

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We’ll scour the market to show you a list of quotes tailored to your requirements

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When you’ve found the deal you want, just click through to the provider to finalise your purchase

What types of telematics car insurance are there?

While telematics is commonly associated with black boxes, this are several types of car insurance based on monitoring – you can also find it as an app on your phone or a self-install plug-in device:

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Black-box insurance

The most recognised form of telematics cover, black-box insurance is when a monitoring device is installed in your car

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Telematics app

You can also install an app on your phone that uses GPS to monitor your driving habits and activity

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Some insurers offer to send you a device you can plug directly into your car yourself

How else can I get cheaper car insurance?

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    Choosing a fully comprehensive policy

    As these are generally the cheapest available

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    Keeping your car safe and secure

    To reduce the risk of it being stolen or vandalised

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    Paying annually in bulk

    Rather than spreading it over monthly instalments

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    Paying more excess

    To indicate that you’ll only claim when it’s really necessary

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    Driving a sensible car

    As certain makes and models are safer and less likely to be involved in an accident

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    Renew at the right time

    As the longer you wait til your current policy ends the more you’ll end up paying for cover when you renew

Andy G Teasdale

Our expert says

"Telematics policies can provide feedback on your driving and help you become a safer driver. They can also be cheaper than traditional insurance policies, particularly for younger drivers. The more responsibly you drive, the lower your premiums are likely to be in the future."

- Andy G Teasdale, product manager of car insurance

The way your device will be installed depends on the type of device you’re using – a black box is usually installed by a professional at the arrangement of your insurer. If you chose a plug-and-drive device it will be sent to your address, and you’ll just need to plug it into your car’s charging port or cigarette lighter.

If you opt for an app you’ll just need to download and install it and it will track your driving automatically through GPS.

The cost of installation if you get a black-box is often, but not always, taken care of by your insurer. However there are also some other fees or charges you should be aware of, including:

  • Reinstallation if you change cars
  • Removal fees
  • Damage fees – and your policy could be cancelled if it’s deliberate
  • Breaking curfew
  • Breaking speed limits
  • Missing your installation appointment

It will depend on the type of telematics insurance you have in place, but if you’ve got a black box installed anyone else who drives your car will affect your driver score. If you’ve got telematics through an app or a plug-and-drive device this won’t be the case, as you should be able to control when your driving is monitored.

If someone else is driving your car, or you’re driving someone else’s, the driver must have an adequate level of car insurance in place – whether it’s their own policy or as a named driver on the main driver’s policy.

Depending on the provider and type of telematics device you have, it may be able to detect if you’re involved in a road accident – usually by measuring force of impact. The device can send your location to the emergency services, and the data provided may even be able to help insurers determine what caused the accident and whether you were at fault.

Technology can come to the rescue of 17-year-old drivers in the form of black-box insurance. With this kind of policy, a tracking device is fitted to your car and records when, where and how you drive – and it can have a big impact on the cost of car insurance for 17-year-olds.

A number of insurers now offer so called telematics policies and it’s a good idea to compare prices as you may be able to save money.

If you have a plug-and-drive device or you use an app, changing car shouldn’t be a huge hassle, but if you have a black box installed it’s somewhat trickier. Your insurer will arrange the installation of a new box in your new car and the old box will be deactivated – this may be for no cost, but some providers charge up to £150 for the service.

As with any insurance policy you’ll be able to cancel when you want to, but you may face an early cancellation fee if you do so before the policy term is finished. If you do choose to cancel, your insurer will deactivate your monitoring device so you won’t send any more driving data.

If you have a black box you can choose whether you want it removed or not, though as mentioned above this may cost up to £150.

If your policy ends and you want to change providers, your current insurer will deactivate your account and device so they won’t receive any more data. If you have a black box and you want it removed, you might have to pay the removal fee.

If you’re driving abroad you should still be covered by your policy, though you’ll need to check with your insurer whether your driving is still assessed.

Your insurer will keep your driving data safe and secure, generally just using it to monitor your driving habits and checking any claims you make or someone else makes against you. They may also share it with their business partners, but they won’t sell it.

For youngsters getting their first taste of independence, you might be worried about your insurer sharing information about your whereabouts with your parents. Generally this won’t be the case – any data your insurer does keep will be available to view on your customer portal online or in the app, and only the policy holder will have access to this.

Keep in mind that if you’re involved in a road accident your insurer may share data about your location with the authorities and any emergency contacts if you have one.

If your telematics device is a black box, they’re usually self-contained so they shouldn’t have any effect on your car. The same should go for an app on your mobile phone, however plug-and-drive devices that plug into your car’s charger or cigarette lighter might take up some of your car’s battery power.

Historically telematics insurance policies implemented a curfew to prevent people driving during later hours, with fines for people who broke the curfew – but these aren’t as common as they were. There might still be penalties for driving after certain hours however, namely increased premiums or a negatively impacted driving score.

Breaking traffic laws while driving a car with telematics installed will negatively affect your driving score, however insurers generally won’t immediately share this with authorities. However the police can request access to driver data by going through the courts, while insurers can also share if you give permission for them to do so.

Your telematics device won’t interfere with your car at all – this means it won’t control the radio, lights, wipers or heating.

Current devices don’t record audio in your car – only specific information about your driving such as speed and acceleration, how you take corners and the number of miles you drive.

Telematics devices can’t disable your car, and while many used to have curfews these are becoming less common. Driving during later hours can sometimes affect your premiums – it’s best to check with your insurer for their rules on night drives.

You won’t be restricted in how many miles you can drive in your car, but you will have to give an estimated mileage when you take out the policy – and the fewer miles you drive the less you’ll pay. However, if you do go over this estimate you might end up paying more in premiums.

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So how do we make our money? In a nutshell, when you use us to buy a product, we get a reward from the company you’re buying from.

But you might have other questions. Do we provide access to all the companies operating in a given market? Do we have commercial relationships or ownership ties that might make us feature one company above another?

We commit to providing you with clear and informative answers on all points such as this, so we have gathered the relevant information on this page.