What is Black Box Insurance?

Black Box Insurance (also known as Telematics Insurance) is where your car is fitted with a small black box that is used to gather the following information:

  • The time of day or night you drive
  • The speed you drive at on different sorts of road
  • If you brake or accelerate sharply
  • If you take breaks on long journeys
  • Your motorway miles
  • Your total mileage
  • The total number of journeys you make.

This information is then used to work out how safely you drive.

Worried about getting a black box fitted to your car?
Here is our black box insurance mythbuster.


How Does It Work?

When you buy your car insurance with insurethebox you get a black box fitted to your car at no extra cost. Choosing the black box option means you can show us that you are a safe driver who deserves to pay a lower premium at renewal.

If you’re a safe driver you’ll earn up to 100 Bonus Miles each month and could see a discount at renewal. You can see a summary of the information collected by the box in Your Portal.

The box fitting is carried out by one of our experienced engineers at your home or work. It won’t affect the workings of your car, and you don’t have to wait for it to be fitted before you’re covered.

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Rewarding safe driving

We fit a black box to your car so we can reward safe driving, in the form of monthly Bonus Miles and discounts at renewal.

We don’t use the box to punish you – we don’t have any fines, penalties or curfews.


curvy road warning sign

Accident Alert service

FACT: In 2015 we made an average of 679 calls to customers each month in response to accident alerts.
All insurethebox policies include Accident Alert as standard – it’s real-time, costs you nothing extra and helps us to help you when you really need it.

The black box can sense any strong impact on the car. If it registers a large jolt, an alarm goes off in our Service Centre.

If this happens and your car is stationary, our trained team will try to call you. We will check you are OK and try to help you get going again. If we can see that your car is moving we will assume you are unharmed and do not require immediate assistance.

If the agent is unable to contact you and your car is stationary we will assess all the circumstances relating to the incident. If we think it is appropriate, we will attempt to contact the emergency services and request that they attend.

Please note we are not able to guarantee that the emergency services will attend in these circumstances, so you should still attempt to contact them yourself if it is necessary and you are able to.

Remember: you must notify us of any incident.


Theft recovery

The in-tele-box uses Global Positioning Satellites, or GPS, to track and receive data in relation to the vehicle’s movement. With GPS we are able to see the position of the car as long as the signal is visible to a satellite.

If you tell us your car has been stolen, we will liaise with the Police and try to direct them to where your car is located. You will first need to report the car stolen and get a crime number, and then we do the rest.


Interested in black box insurance?

Get a quote from us online by clicking here.

Or you can phone us on 0333 103 0000.