Many traditional insurers will calculate premiums based on an estimated mileage taking into account the fact that some drivers will understate their expected mileage when completing the quote form. You therefore could be paying more than you should for your policy. The black box helps you save money on your car insurance.
With insurethebox you choose from 6,000, 8,000 or 10,000 Policy Miles, based on how many you expect to drive in a year. If you run out of miles you can buy Top Up Miles at any time, and you can earn up to 1,200 Bonus Miles a year for driving safely.
Your miles are measured by a black box, a small telematics device fitted out of sight in your car. The black box records how far you drive, as well as how, when and where you drive, so you can show us what kind of driver you are and we can reward safe driving.
You can manage your mileage allowance using your personalised online Portal. Here you’ll be able to see a summary of how many miles you’ve driven and how many you have left, plus more detailed information about your driving and miles usage.
Policy Miles are the number of miles on which your annual premium is based, as shown on your Schedule. You can choose from 6,000, 8,000 or 10,000 Policy Miles and they are measured by the black box fitted to your car. Any of the original Policy Miles that are unused will not be credited to the next period of policy cover, and there is no financial exchange for any unused miles.
You can choose your Policy Miles on the “Your quote” page of our online quote form, under the “Choose your product” section. If you decide to buy your policy over the phone, the agent will ask you how many Policy Miles you need.
Remember, if you run out of Policy Miles during the policy year you can buy Top Up Miles. You can do this at any time via Your Portal.
If you want to change to a different level of Policy Miles at renewal, just let us know before your renewal date. Please note: changing your Policy Miles will affect your premium.
You can increase your miles by earning Bonus Miles for safe driving. The black box sends details to us about how you drive. If you drive safely, you can earn up to 100 Bonus Miles each month – that’s up to 1,200 miles a year!
Bonus Miles are awarded according to five safe driving criteria: time of day, speed, smooth driving, taking breaks and motorway miles.
Your Bonus Miles scores also help us work out how much you pay when you renew. They let you prove you are a safe driver and let us treat you as an individual.
Want to find out more about Bonus Miles? Check out our Bonus Miles page.
Top Up Miles
If you use up all your Policy Miles before the end of your policy, you can buy Top Up Miles. Top Up Miles are available in bundles of 250, 500, 1,000 or 2,000 miles at any time during the term of your policy. Please note if you exceed your Policy Miles and do not buy Top Up Miles when required your policy will be cancelled.
Please note: when you renew your policy, you choose a new allocation of Policy Miles. Any unused Top Up Miles and Bonus Miles will be credited to your overall miles for the next period of policy cover and will be used first before the new Policy Miles. Any of the original Policy Miles that are unused will not be credited to the next period of policy cover, and there is no financial exchange for any unused miles.