Having car insurance ensures you are covered financially if the worst were to happen to your car. This could be damage from an accident, theft, vandalisation and fire damage. It means you won't have to dig into your own pocket to pay for potentially huge repair or replacement costs.
Car insurance is a legal requirement for cars driving on public roads. You will be heavily penalised if you are found to be driving without insurance. The minimum level of cover you must legally have is third-party car insurance. This would cover the damage to another person's car, for example in a collision accident, but provides limited cover for your own vehicle.
Quotes from over 110 top UK providers
How much does car insurance cost?
Car insurance is either made up of an annual or monthly premium. Annual premiums are paid in a single lump sum when a policy is taken out, monthly premiums will require a deposit and a monthly direct debit. There are many factors that come into play that will affect the cost of your car insurance. It needn't cost the earth when you take the time to compare premiums.
Why compare with Insuro?
Search over 110 different insurance providers
Increase your chance of finding a great deal by comparing multiple companies using a single form.
Buy online or by phone
Purchase your insurance policy quickly and easily, monthly and annual payment options available.
You could save time and money
Get your quotes by filling in one simple form, compare prices, and start saving.
Over 500,000 users
Join our ever-growing list of satisfied customers today.
Our website uses Cloudflare's security features for your peace of mind.
Independent and unbiased service
We aren’t owned by or have any investment from any insurance company.
What is Black Box Car Insurance?
Black box insurance is a type of car insurance that uses a small telematics device to track driving behaviour. Telematics may monitor aspects such as speed, acceleration, braking and cornering. Insurance premiums are then fed information from the black box to calculate a driver’s insurance premium. With a black box, safe driving potentially leads to lower premiums.
Why might you want to avoid black box insurance?
Many black box policies impose a mileage cap. If you frequently travel long distances, there will be better options than these policies.
Some black box policies restrict driving at night, either instead of mileage limits or in addition.#
Many drivers don’tdon’t feel comfortable knowing there’sthere’s an electronic record of where they’ve driven and when.
Privacy concerns: The tracking device in your car may not be welcome for those who value their privacy.
Inflexible pricing: The pricing of your insurance can change based on your driving habits, which can be challenging to predict and budget.
Limited control: Black box insurance monitors driving habits; some drivers may feel this is intrusive.
Technical issues: Black boxes may have technical issues. Such technical problems with the tracking device, which can cause it to fail, can lead to incorrect premium calculations or disputes over driving data.
Suitability: Black boxes may not be suitable for all drivers. If you use the motorway for driving, a black box may not accurately reflect your driving habits, leading to higher premiums.
These reasons may deter some drivers from opting for black-box insurance.
Why consider a black box?
With that said, I cannot encourage or condone driving without a black box, as it can negatively affect the driver and other road users.
Black boxes, also known as event data recorders, collect data about a vehicle’s operation. Data recorded can include speed, acceleration, braking, and steering. While some drivers may view these devices as intrusive, they can provide valuable information in the event of an accident, including the cause and who was at fault. Insurance companies and law enforcement agencies can use this information to determine liability and prevent future accidents.
If a driver chooses to drive without a black box, they may be missing out on some potential benefits, such as:
Lower Insurance Premiums: Many insurance companies offer discounts to drivers who install a black box in their vehicle, as it can provide data that helps them assess risk and adjust rates accordingly.
Improved Driving Habits: The data collected by a black box can help drivers identify areas where they need to improve their driving, such as braking too hard or accelerating too quickly. As a result, drivers can improve fuel efficiency and reduce vehicle wear and tear.
Enhanced Safety: Black boxes can provide valuable information in an accident, such as the speed of the vehicles involved and the impact force. This information can help emergency responders provide appropriate medical care and can also be used to improve vehicle safety features.
In conclusion, some drivers may see driving without a black box as a way to maintain their privacy and avoid surveillance. This being said, there are potential benefits to using these devices that should not be overlooked. However, prioritising safety and following all traffic laws and regulations is the most important thing.
What do you need to consider when buying insurance?
Around 1-in-3 drivers auto-renew their insurance yearly. Autorenewal can mean paying more significant premiums for the same or even worse coverage. Comparing policies allows you to find the coverage you need at a preferred price, but price savings don’t necessarily get you better coverage.
An online comparison tool like the one on insuro.co.uk above lets you quickly and easily gather quotes. Add your driving history, current car, and other essential criteria to compare. Reviewing quotes becomes an efficient and easy process with all these in the same place.
It’s always best to consider policies with appropriate coverage based on your needs.
A higher level of cover will usually cost more, but only sometimes. Some insurers can take advantage of the fact that many ”risky” drivers will automatically choose a lower level of coverage. As a result, this can mean higher prices for lower cover levels so that a comprehensive policy may be cheaper than third-partyfire and theft.
Black Box Car Insurance for specific drivers can result in lower premiums, as these drivers can be more aware of their driving habits.
Consider each policy’s initial payment, monthly premiums, and excess. You’ll have to pay the initial price and any premiums if you have an accident.
What policy is right for me?
Whether you’re a new driver or a seasoned road user, protecting against accidents is essential. They can happen anytime, anywhere, with potentially devastating results. No black box insurance should be considered when considering what policy to get. You need to ask yourself what your ideal policy looks like. Does it cover small bumps, costly accidents, mechanical repair work, roadside assistance and more? From small bumps and nicks to costly and dangerous accidents, your insurance provider should have your back. No one wants to be left in the lurch after the stress of a road accident. If your insurer isn’t there to help, who is? Finding and comparing cheap car insurance deals can be a minefield. With so many options available on the market, it sometimes feels like you’re drowning in policies! It can get stressful, especially if you know how important finding the right insurance policy is.
That’s where Insuro comes in. We’re here to help you find the policy that suits you, with the right level of protection to suit how you drive. Did you know that we could help you save up to £271?* Looking for no black box insurance? Black box insurance is usually offered to new drivers, but it’s no surprise some drivers don’t want their movements tracked by their insurance company.
Thankfully, there are so many options on the market today that it’s possible to find no black box insurance policies – even for you young drivers! As well as new drivers, there are many people who may benefit from no black box insurance. For example: – People who regularly drive long distances, as black-box policies often come with mileage restrictions – Shift/nighttime workers, as black-box policies often come with restrictions on nighttime driving. Exploring the policies available to you is a great way to find one that’s right for your needs.
You’ve come to the right place if you’re looking for no black-box insurance. You can compare hundreds of no-black-box insurance quotes from UK providers to help you find the right deal.
How do I compare quotes?
Our comparison service is quick and straightforward to use. Just enter your details into the form provided, and we’ll show you the best cheap car insurance deals on the market. When it’s this quick and easy to compare quotes, there’s no reason for you to have a less-than-perfect policy. At Insuro, we believe everyone deserves insurance that suits them. Everyone has different coverage levels, from fully comprehensive to third-party, black box or no black box insurance.
From new young drivers to those who have been doing it for years, insurance is an important part of your driving experience. Using our comparison tool, you can adapt the criteria to fit your needs. A good insurance policy should give you the confidence to get out on the roads and enjoy it! Our form will ask you to provide details about your car, e.g., its make and model, registration and other details. You’ll also need to provide information about yourself, including your name, age and a no-claims discount. Once we have this, we can provide quotes tailored directly to your needs.
If it’s no black box insurance you’re looking for, Insuro has you covered. Use our comparison form today to find a deal that’s perfect for you and helps you save money. *(Jan 2016 sales)
Quotezone provides car insurance comparison tools on Insuro.co.uk. As such, insuro.co.uk is not responsible for the contents of the comparison you receive.
What is the “National Highways Red X?” In the UK, “National Highways Red X” is a term used on smart motorways to indicate lane closure. Red Xs are displayed on overhead gantries and signal drivers that the lane is closed and should not be used. The red Xs are used to increase safety and manage […]
Car Insurance 2019 – What You Need To Know Getting a great deal on your car insurance can be difficult. This blog looks at the current trends that can make your car insurance in 2019 better value for money. In this article, you will discover: Save with a smaller, more economical car Smaller cars are […]
For price-aware customers like young drivers and those on a budget, knowing how to get cheap car insurance can be essential to keep the costs of keeping a car operational down. There are several different options you can use to reduce the cost of your car insurance. Some of them require more preparation than others. […]