Black box insurance (also called telematics) can be a smart option if you're looking for a more personalised quote:especially if you're a newer driver.
It works by using driving data to help insurers understand your risk more accurately. For some drivers, this can lead to more competitive prices.
Reviewed by MySupermarketCompare Editorial Team
This page is for UK drivers who are considering black box car insurance, including:
If you're not sure whether a black box policy is right for you, this page explains how it works, what affects the price, and what to check before you buy. If you're a student managing insurance around term-time addresses, student car insurance guidance covers specific considerations for university and college drivers.
Black box car insurance is a type of policy where your insurer uses telematics to measure driving behaviour.
Depending on the insurer, this can track things like:
Some policies use a device installed in the car, others use an app on your phone. The exact setup and scoring system depends on the insurer. If you're interested in usage-based insurance models, see our guide on pay-as-you-go cover.
Even with a telematics policy, your quote can still change based on normal insurance factors, such as:
Your age and driving experience. While black box policies are popular with younger drivers, older drivers may prefer standard policies - 25+ or 50+ car insurance options
Your car type and insurance group
Where you live (postcode risk)
How you use the vehicle (commuting, social, business)
Annual mileage
Previous claims or convictions (including points-related offences)
On top of that, the insurer may take into account your telematics driving score:which can influence pricing and policy terms depending on the provider. For additional ways to access lower-cost car insurance options, explore our dedicated guide.
Black box insurance can be great for the right driver, but it's not perfect for everyone.
The best approach is comparing policies and checking what the rules are before committing.
If you're considering telematics, here are realistic ways to improve your chances of getting a competitive quote:
Smaller engines and less powerful cars often cost less to insure. Check your insurance group before buying.
Harsh braking and sharp acceleration may affect your score depending on the provider.
Some policies place more weight on late-night driving.
Over-estimating mileage can increase cost, but under-estimating can cause problems later.
A driveway or garage may reduce risk depending on postcode.
Monthly payments can increase total cost due to added charges.
Insurers track different things:understanding the rules helps avoid surprises.
Black box pricing varies widely across insurers.
✅ Ready to compare policies?
Get Quotes Now →Always take a minute to review what's included in the cover before you commit.
If you want to compare telematics options from UK providers, start your quote online now.
Start a Quote in 2 Minutes →This page was created to help UK drivers understand black box (telematics) car insurance, what it involves, and what factors may affect pricing. It is reviewed for clarity and updated as needed to stay accurate and useful.
MySupermarketCompare is an insurance comparison website. We introduce customers to our quote partner to help them compare insurance options. Information on this page is general and is not financial advice.
Get tips, guides, and exclusive offers for the insurance types you're interested in