At insurethebox we’re all about encouraging and rewarding safe driving. There are two main ways we do this:

  • Awarding additional miles each month to safe drivers (these are called Bonus Miles)
  • The possibility of better prices at renewal for safe drivers

When you buy your car insurance policy with insurethebox you choose a certain number of Policy Miles. You can select 6,000, 8,000 or 10,000 miles. As a reward for driving safely, we give you the opportunity to add to your initial mileage allowance by earning extra miles – Bonus Miles – each month. You can earn up to 100 Bonus Miles a month, that’s up to 1,200 a year!You can also buy additional miles at any time during the policy term if you find you are running out. These are called Top Up Miles and you can find out more about them here.

Remember: you must buy Top Up Miles if you run out of miles, otherwise your policy will be cancelled.

 

How it works

When you take out your insurethebox policy you will have a small telematics box (the black box) fitted to your car.

The data from the telematics box in your car tells us:

  • 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 box can also help us locate your car if it’s stolen, and alert us when you have an accident, if it senses a strong impact on the car.

 

How we calculate your Bonus Miles score

Bonus Miles are awarded by looking at five criteria:

Speed

Keeping to a sensible speed is one of the most important aspects of driving safely. You should drive at a speed that is appropriate for the road and the conditions. Sometimes this will be lower than the speed limit. For example, many accidents occur on rural roads, often with limited visibility and narrow lanes, so driving below the speed limit in these circumstances could be safer.

Remember: the speed limit is a maximum, not a target.

Smooth driving
Sudden acceleration and heavy braking can be dangerous to both you and other road users.

Be aware of your surroundings, and make sure you look carefully before making a manoeuvre, to avoid having to accelerate or brake suddenly. The smoother the ride, the more Bonus Miles you can earn.

Taking breaks
Tiredness is one of the biggest causes of accidents so plan your journey well and leave enough time to take regular breaks. Driving for over 2.5 hours without a break can be dangerous.

To earn Bonus Miles you should stop before you drive for 2.5 hours and take a break for at least 20 minutes.

Time of day
Our records show accidents are much more likely to happen at certain times of day. The most dangerous time to drive is at night between 11pm and 4am so avoid this as much as possible.

More accidents also occur during the evening rush hour (5 – 6pm) and after 10pm. If you can avoid these times you will reduce your risk of an accident and can earn more Bonus Miles.

Motorway miles

Statistically, motorways are the safest roads to travel on. You can earn Bonus Miles for driving on motorways but take care to drive at a speed that is safe for the conditions.

Check out our guide to driving on the motorway for the first time here.

 

How to find out your score

You can check your Bonus Miles score each month by visiting your personalised online Portal. This is also where you can find your policy information, documents and mileage summary too.

Just head to the Bonus Miles page once you’ve driven for 5-6 weeks and you’ll see your score for the last month as well as a rating for each safe driving category (see above).

 

What happens at renewal

When your policy year comes to an end, we will take into account your Bonus Miles scores from the year when calculating your renewal quote. If you’ve proven that you’re a safe driver you could get a discount when you renew.

Fact
72% of customers aged 17-25 save more than £200 at renewal.*

 

I drive safely! How can I earn these rewards?

To buy your car insurance policy with insurethebox, simply click get a quote to get started.

Get a quote

 

* Source: insurethebox internal data, correct as of July 2015.