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BLACK BOX INSURANCE

Choose annual or pay as you go cover from the UK's Best-known insurance provider dedicated to young drivers

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Black Box Insurance is rated /5 from reviews

This cover is suitable for:

Learners and full licence holders

Insuring a young person as the main driver

Driving without curfews

This cover is not suitable for:

Just a week or a month

Insurance on a parents car

Commercial vehicles

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HomeBlack Box Insurance

Black box insurance is sometimes referred to as telematics insurance. It allows drivers to prove they are a safe driver in return for a more personalised insurance premium. It involves sticking a small box to your car windscreen and downloading an app to measure your driving.

The great news is that our safest drivers can earn extra discounts for safe driving - plus the smart tech allows us to offer the option to choose an annual policy or a mileage based policy depending on how may miles you expect to drive.

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See how much you could save

Black box car insurance from Marmalade could save young drivers over £300 compared to the average price for young drivers in the UK! All you need to do is choose which type of cover suits you best

Annual insurance

Select your annual mileage

Start earning a No Claims Discount
Safe drivers can earn an extra safe driving discount at renewal
Monthly payment available

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Pay As You Go insurance

Start with 1000 miles

Pay just for the miles you drive
Top ups from 250 miles at a time
Safe drivers pay less for their top ups
Earn a No Claims Discount for every claim free year

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3 Steps to getting on the road

Choose your cover

Get a black box insurance quote in minutes – and select annual or pay as you go cover. If you choose annual cover, you can drive straight away!

Fit the black box

We’ll send you an easy to fit black box within 2 working days (it’s called a “tag” as it’s so small) and a link to our app. When your tag arrives, install it and you’re good to go!

Review your driving score

Keep an eye on your score in the app and review your journeys to see where you could improve your driving. Good drivers earn an extra safe driving discount at renewal!

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Your driving score

Your overall driving score gives you, and us, an overall picture of your driving as this combines data on all of your journeys. The higher your driving score - the safer your driving is.

Reviewing your journeys

Each journey is classed out of five stars. Three to five star journeys are classed as green (which is good!), two star journeys are classed as amber (needing improvement), and one star journeys are classed as red (unsafe).

Unsafe driving

If you incur a red, one star journey, we’ll get in touch to discuss what happened and how to improve. Repeated Red journeys could lead to a premium increase. Read our red journey process to find out more.

Safe driving discount

The majority of drivers stay “in the green” and drive well. The best news is that you’ll earn an extra discount at renewal, or on your mileage top-up for safe driving - in addition to any No Claims Discount you’ve earned.

What does the black box measure?

Our black box looks at location and distance driven and will measure:
- Speed
- Acceleration
- Braking
- Cornering
- Mobile phone use
- Crash detection
You can review your driving on your driving app and see where you’ve driven well and aspects that need improvement. Want to know more? Read our guide to reviewing your driving with a black box.

How is Black Box Insurance different car insurance without a black box?

Standard car insurance with no black box just takes into account your personal details, previous experience and current circumstances. For a driver in a low risk group, this may be the most cost effective option. But if you are in a higher risk group - which young drivers are - then car insurance with a black box allows you to pay a price according to how safe you drive.

How much is black box insurance?

The price of black box insurance for young drivers will vary according to a number of factors, including your age, the car you drive, where you live, and your occupation, to name just a few. Data from the Consumer Intelligence price index (June 2022) tells us that the average premium quoted for UK drivers aged under 25 £1669.

Based on our Black Box Insurance sales data from January to June 2022, the average price paid by our policyholders under 25 was £1366.99 for an annual policy. With the majority of quotes for black box insurance, we'll also provide a personalised quote to pay by the mile.

What is telematics?

Also known as black box insurance, telematics utilises a discreet black box (in this case a small tag) which lets us know how you're driving by sending information to us via a GPS signal. The box measures distance, location, acceleration, braking, cornering, average speed, and phone usage and helps us to tailor your renewal premium to your driving style. Read more about telematics here.

How do you fit a black box?

It couldn’t be easier to install a Marmalade black box. It’s a small device that simply sticks firmly onto the inside of your windscreen, behind your rear-view mirror. All you need to do to get started is download our Marmalade Insurance App, and link it to the tag, and you can start tracking and reviewing your journeys.

Why choose black box insurance for 17 year olds and 18 year olds?

Telematics insurance can benefit drivers of any age as it helps encourage safe driving. It’s particularly beneficial for drivers under 21, who have limited experience behind the wheel. It can help drivers learn safe driving habits early on, as it raises awareness of how well they’re driving and what areas of driving need improvement. Not only this, but it can make the price more affordable for this age group.

Can my child be insured on a car registered to me, the parent?

Yes, if the young driver is the main driver of the car we can provide cover if the car is owned and registered by a parent or guardian. It may be handy to know that we can cover the young person on a provisional licence too. So, if they'll be driving it when they pass their driving test, you can take cover out beforehand and cover will continue seamlessly when they pass.

How much cheaper is black box insurance than normal insurance?

Young drivers could get cheaper insurance and save over £300 by choosing a black box policy. Data from the Consumer Intelligence price index (June 2022) tells us that the average premium quoted for drivers aged under 25 in the UK is £1669. We’re pleased to say that the average new business premium for annual Marmalade Black Box Insurance customers, who purchased a policy from 1st January 2022 – 23rd June 2022, was £1366.99, £302 cheaper on average.

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Get set for the open road!

9 out of 10 of our black box customers have recommended Marmalade to friends or family†

Join thousands of young drivers enjoying comprehensive cover with no curfews or night-time driving restrictions.

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If you’ve got a provisional licence and you’re going to be driving the same car after you pass your test, learner driver insurance with a black box could be the best option as cover will continue seamlessly when you pass, plus you will start earning your no claims discount as early as possible.

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Black Box Mythbusters

There are lots of misconceptions around the black box. Read more about how it's designed to help you become a better driver and not catch you out!

Discover the truth!

How to fit a black box

Read our guide to fitting your black box and see just how easy it is to get started with viewing your journeys and driving score.

Read fitting guide

Driving with a black box

Discover top tips from an expert to help you increase your confidence and get a great driving score to help you earn savings on your insurance.

Read driving tips

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Saturday: 9am - 2pm

Sunday: Closed

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Marmalade is a trading name of Atlanta Insurance Intermediaries Limited. Authorised and Regulated by the Financial Conduct Authority under firm reference number 309599. Company registration number: 756681. VAT registration no: GB 447284724. Registered address: Embankment West Tower, 101 Cathedral Approach, Salford, M3 7FB. Atlanta Insurance Intermediaries Limited can be found on the Financial Services Register under reference number 309599. For more information, please contact us. Calls are recorded for training and quality purposes.

BLACK BOX INSURANCE

This cover is suitable for:

This cover is not suitable for:

What is Black Box Insurance?

See how much you could save

Annual insurance

Pay As You Go insurance

How does it work?

Your driving score

Reviewing your journeys

Unsafe driving

Safe driving discount

Frequently asked questions

Get set for the open road!