No Black Box Insurance

Car insurance Without Black Box for Young Drivers 

What is black box car insurance?

A black box is a telemetric device that can be installed in a vehicle. This device records how the vehicle is driven. This includes the variables of speed, time and location. It also records the rates of acceleration and braking. This data is sent to a receiver or can be downloaded and reviewed by an insurance firm. Insurance for young drivers without a black box is available, but expect to pay a higher premium. Whilst termed "black box" it need not be an actual black box. 

For this type of insurance, one of the following devices can be employed

Black Box Car Insurance Pros and Cons

This will depend on a number of factors.  Ask yourself how much risk would I pose to the insurance broker. If you are a bad driver that takes the occasional risk, a black box policy is probably not a good idea. On the other hand, if you drive slowly, and carefully you would likely benefit in having a black box device installed as the data should all be positive.  If the data collected shows that you drive mostly at night or for long periods, this again will be an indicator of higher risk to the broker. If you are young and like performance cars, but still drive within limits it should then help lower your high performance sports car insurance premiums.

Black box car insurance rules

Driving with a black box can lower your car insurance, but you must follow the handy guidelines list below to make the most savings.

Have you points on your licence or convictions?

Installing a black box can help reduce the high premiums associated with car insurance for a convicted driver or if you have  with excessive points on your driving licence. 

How you can save on young driver insurance with no black box.

The use of a black box to reduce the cost of vehicle insurance is just one path a young person or a new driver can take. Other options to consider include:

Who Provides no black box car insurance for UK Drivers?

Driver Profiles that may benefit from a no black box insurance policy?

Other ways to get cheap insurance with no black box:

For some driver categories the black box may not be the best way to get the cheapest insurance, if you fall into one of these categories you should consider insurance without a black box.

By not modifying the vehicle is another way to keeping insurance costs down. This includes engine upgrades along with aerodynamic devices like wings and skirts that could boost the performance of the vehicle and should be avoided. Fancy paint jobs and stickers are also considered a modification and increase the risk of the vehicle being stolen. Because of that, exterior visual modifications should also be avoided.

Use a quote comparison tool. The Multi Quote Time in partnership with Quote Zone can provide a comparison quotes from up to 100 UK and NI car insurance providers 

Additional driving qualifications: If you are young or have held you licence for a few years only, you will be seen as a higher insurance risk, due to lack of experience or being young. To counter this, consider taking advance driving training to extend your driving abilities and experience. Steps to improving your driving skills should be rewarded with a cheaper insurance without a black box installed.  

Following the above advice should help you find a cheaper quote for young no black box insurance. With a good driving history over time you will be able to build up your no claims and this will  help in reducing the cost of insurance for young drivers under 21 or under 25 without installing a black box.

Compare Black Box Insurance

MultiQuoteTime makes it easier to compare the costs of black box insurance by sharing your insurance requirements with a panel of select UK brokers. These brokers will put a quote together that is competitive and based on your individual requirements.