What is black box insurance?
Black box, or ‘telematics’, is a way for people on a budget to find their independence. A small device is installed in your car, and this is used to determine your driving habits. You can then be rewarded for safe driving with lower premiums. It’s a win-win!
What you get with Midrive
Get potentially thousands of pounds off the cost of car insurance.
Drive where you want, when you want with no nighttime curfews.
No automatic fines so you can brake, corner, and accelerate with confidence.
Who can get it?
Anyone can take out a telematics policy and save money. That said, the younger and less experienced you are, the more benefit you generally get. If you’re interested in just how much you could save, why don’t you speak with an insurance expert?
What a black box does
A black box lets you build up a picture of your good driving habits so you pay less on your insurance. It’s comprised of two main parts - a GPS locator and an accelerometer.
- The GPS tracks location data, including speed, distance, road type, and when the car is being driven.
- The accelerometer records how quickly the car accelerates and brakes, as well as how sharply it corners.
Types of black box insurance
There are three types of cover to choose from. Experts will assess what type suits you when your policy is set up.
Third party only
Covers you for injury caused to other people and damage caused to their property
Third party fire and theft
Like ‘third party only’ but adds cover in case your car is stolen or damaged by fire
The same as ‘third party fire and theft’ but also covers you for damage you do to your own car
How it works
Speak with an expert
Insurance experts search for a great policy.
Choose your cover
Tailor your options to drive down your premium.
Drive away and start saving on your insurance.
Request a call back
Telematics car insurance is when you have a small device in your car that monitors your driving habits.
With a black box installed, you get cheaper premiums and are rewarded for safe driving.
Some insurers will increase your premiums if your driving habits consistently expose you to unnecessary risk.
It’s possible. If you bought the car second-hand the previous owner may have had a black box installed. They’re usually fitted behind the dashboard, out of sight. You can choose to have the black box removed, but once an insurance policy has been cancelled the box is deactivated. So, it won’t be collecting any data.
Definitely! You get savings for having telematics installed and then usually further reductions on your premium for safe driving.
Black boxes don’t limit your driving in any way, but they do record everything you do.
That depends on a lot of factors, including your age and driving habits. Generally speaking, the younger and safer you are as a driver, the more you’ll save.
Not all, no. That’s up to the individual insurer to decide. Midrive’s policies don’t have curfews.
Usually, nothing! A black box will generally be fitted to your car for free if you take out a telematics policy.