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Best BlackBox Insurance Policies for the UK [2023]

Insurance Policy Monthly price Installation fee Usage monitoring Telematics features
Blackbox Depends on Provider Free for Most Providers Yes Speed, acceleration, harsh braking, cornering, time of day, mileage

Which provider is right for you will depend on your individual needs and budget. If you are looking for a basic black box insurance policy with no frills, then any of the providers listed below will be a good option. However, if you are looking for a policy that can help you to improve your driving style and reduce your insurance premiums, then YouDrive Hastings Direct, Admiral Littlebox, or Insurethebox may be a better choice.

Here is a comparison of the five most famous black box insurance providers in the UK:

Logo Provider Estimate Prices** Installation fee Usage monitoring Curfews and Limitations
hastings direct help YouDrive Hastings Direct Starts from £15 per month, depending on age and driving record Free – You can do it yourself once you receive the tab Yes No curfews, no limitations
admiral logo blackbox Admiral Littlebox £10-£25 Free Yes Drive at least 1,900 miles per year, with no curfews
insurethebox telematics Insurethebox £10-£25 Will be arranged for you Yes initial mileage of 6,000, 8,000, or 10,000 miles. rewards for safe driving in the form of Bonus Miles
bewiser blackbox Be Wiser Insurance £10-£25 £50 non-refundable set-up fee Yes No curfews
wise driving blackbox Wise Driving Starts from £150 (per year) £120 per vehicle/change of vehicle – missed appointment cost £45 Yes No curfews

** The prices on this table are just estimates and the final price depends on many factors such as your car model, driving history, age, and the driver’s experience.

  1. Driving restrictions (time or distance): YouDrive Hastings Direct and Insurethebox do not impose curfews for driving late at night. Admiral Littlebox does not explicitly have any curfews, but it does require that you drive at least 1,900 miles per year to be eligible for the policy. Insurethebox allows you to choose an initial mileage of 6,000, 8,000, or 10,000 miles, and you can buy additional miles if needed.
  2. Premium adjustment mechanism: All 5 insurers adjust premiums based on your driving behavior. YouDrive Hastings Direct and Admiral provide regular feedback on your driving via a dashboard or app, and consistently safe driving can potentially reduce your premiums. Insurethebox also provides feedback on driving and offers Bonus Miles for safe driving, which can be seen as a form of premium adjustment.
  3. Additional benefits: YouDrive Hastings Direct doesn’t specify additional benefits other than the potential to reduce premiums through safe driving. Admiral provides benefits like a courtesy car and windscreen repair with its comprehensive policy. Insurethebox stands out here, with benefits like theft recovery (using the black box to locate your car if it’s stolen), accident alerts (the box can alert the company if it senses a strong impact), and rewards for safe driving in the form of Bonus Miles.

It is important to note that black box insurance is not available to everyone. You may not be eligible if you have a poor driving record or if you are under the age of 25. It is also worth checking with your current insurer to see if they offer a black box insurance policy, as you may be able to save money by switching.

Here are some additional things to consider when choosing a black-box insurance provider:

  • Your age: Younger drivers are typically charged more for black box insurance than older drivers.
  • Your driving experience: Drivers with a clean driving record are typically charged less for black box insurance than drivers with a poor driving record.
  • The type of car you drive: The make and model of your car can also affect the price of black box insurance.
  • The level of usage monitoring: The more detailed the usage monitoring, the higher the price of black box insurance will be.

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