Black box car insurance means cover can be tailored to your driving habits, not those of everyone in your age range. Young and new drivers: 17-24 year olds are statistically the most likely to make a claim, and therefore the most expensive to insure. If you repeatedly break curfews without notifying your insurer, your policy may be cancelled.
If you break your curfew your premiums could increase, or you could be charged a penalty of up to £100. Most insurers will review any breach of curfew on a case by case basis, so if you had to drive at night due to an emergency you may not be penalised. If you know you will need to drive at night, for work for example, find out how much this could affect the cost of your cover. Driving at night is statistically when you are most likely to have an accident, so your insurer may place a curfew on driving between 11pm and 5am to reduce the risk. Some policies set a curfew after which you are not allowed to drive, usually during the night. Some insurers, however, only require the device to be used for a short period, for example three months, after which it is returned and the driver’s premium may be adjusted based on the data collected. Most policies constantly monitor the driver’s behaviour, sending data after every day or journey. The telematics device also sends the insurer data on the time of day you drive and the number of miles covered, as well as the type of roads driven on.
Speed – the device will record whether you are breaking local or national speed limitsĪcceleration – recording whether you are gathering speed in a measured wayīraking – the device can measure how harshly or smoothly you slow down