Black Box Car Insurance: What You Need To Know
Black box car insurance may seem a tad invasive, but it can help you become a better driver and save money. Here’s what you need to know…
What’s Black Box Car Insurance?
Black box car insurance, sometimes called telematics insurance, involves fitting a car with a small device designed to monitor how a driver behaves on the road. From an insurance provider’s perspective, it makes it easier to determine how much of a liability of driver is; as a consequence, they can offer better rates to motorists who prove that they’re safe and responsible when they’re behind the wheel.
How Does It Work?
As the name implies, black box car insurance involves installing a small, well, black box in a vehicle. Alternatively, plug-in insurance may see a similar device plugged into a cigarette lighter or USB port. The former usually requires a technician to install, whereas the latter can be used on a whim. They usually monitor sudden or jerky movements; meaning that they’ll detect things like harsh braking or sudden turns. Other, more complex, systems may also monitor things like speed and acceleration.
One way of looking at the technology is to imagine driving with a glass of water fitted to your vehicle’s bonnet. How would you need to drive to avoid spilling an excessive amount of liquid? You’d need to keep things smooth and considered; and that’s how you’d need to drive, consistently, with the technology installed.
Is It Worth It?
It depends. Black box car insurance is most popular amongst younger, or newer, drivers. And it’s not hard to see why, their insurance premiums are far higher than those faced by other demographics. They’re more likely to experience an accident, after all, due to possessing less experience. That said, most providers will allow more experienced drivers to use the tech, too – the savings might just not be as impressive.
Whether the insurance is worth it really comes down to the money you could save, and whether you’re prepared to drive in a considered fashion. If you’re not the smoothest driver, you may find yourself being penalised. Indeed, regular mistakes can actually see premiums rise. In some cases, policies may even be cancelled. It all comes down to a driver’s priorities and driving style.
Here’s How You May Be Damaging Your Car’s Tyres – https://autoserveclub.co.uk/blog/heres-how-you-may-be-damaging-your-cars-tyres/
New Report Suggests Driverless Cars Could Be Used As ‘Weapons’ – https://autoserve.co.uk/motoring-news/new-report-suggests-driverless-cars-could-be-used-as-weapons/
