No Black Box Car Insurance

Car Insurance Without a Black Box, You could save up to £504* , Easy Form for multiple quotes

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Car insurance Without Black Box for Young Drivers 

Young driver insurance with no black box is expensive, but legally possible. The reason so many young people have a black box in their vehicle is to prove they are safe drivers. The black box is not required by UK law. It is just one path many take to lower their vehicle insurance premiums.

Multi Quote Time works with a panel of over 100 insurance brokers. The online results can be filtered to show only insurance quotes without black boxes. This enables to quickly and easily compare policies and prices for policies that meet with your requirements

no black box car insurance

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 the vehicle travels. 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

  • Installed Black Box : This is an actual black box that is installed inside the car. The device is similar in size to a mobile phone and will be installed by a professional engineer out of site, normally behind the dashboard. If you choose this option the box will be installed free of charge. 
  • Self installed Black Box: The principle is the same, the device will record your driving and store or upload your driving history to the cloud. With this type of device, it is easily installed by plugging into the USB port. These are plug and play devices that should be proved by the insurance broker 
  • Black Box as a Phone App: These apps make use of the phone's built in accelerometer and GPS to detect speed and distance travelled. Similar to a smartwatch.

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.

  • Don't Speed: Stay with the road designated speed limits at all times
  • Light foot : Don't slam on the accelerator or the brakes this data will show you as a risky and increase your premiums. Careful drivers are always thinking one step ahead and would only occasional have to resort to emergency breaking.
  • Don't attempt to hack the Box.
  • Reduce Time of the road. Are you able to reduce your car usage, one trip to the stores weekly rather than 2. Driving less means lower risk which should  equate to reduced your premium. 
  • Daylight Driving :

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 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 new driver can take. Other positive paths that can be taken include the following;

  • By operating a vehicle that is classified as economical, the risk factors of driving it are significantly reduced. These are listed in the single digit in risk factors by insurance firms due to small displacement engines and lack of performance devices. As a note, all vehicles are listed by insurance companies from 1 to 50 with 1 being the lowest risk.
  • Adding an older named driver to the policy is another path to reducing the cost of vehicle insurance for younger drivers. This named older driver should be over the age of 25, have a clean driving record, and who will actually operate the vehicle on a part-time basis.
  • Each claim made with an insurance company for damages to a vehicle includes an excess. This excess is the amount the policyholder will pay towards the repairs included in the claim. By increasing the excess above the minimum amount, the insurance company will reduce the risk associated with the young driver and lower the cost of the premium.
  • Proper security for your vehicle is a path to reducing the insurance premium costs. This can be accomplished in two manners. First, the vehicle should be kept in a lock shed or garage. Vehicles parked on the street are considered high risk. Secondly, a security system can be installed to help prevent theft of the vehicle.

Who Provides no black box car insurance?

Other ways to get cheap insurance with no black box:

A simple way to keep insurance costs low is to avoid interest on the insurance premium. This is possible by paying the premium annually instead of monthly.

By not modifying the vehicle is another path 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 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.  

Compare No Black Box Car Insurance  

  • Policies can be tailored to your car insurance requirements
  • One short form – save time & money
  • Quotes from UK & NI insurance providers
  • Get tailored quotes in under 5 minutes

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black box car insurance

*51% of consumers could save £504.25 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from September 2023 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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