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Black Box Insurance – monitoring your driving

Discover how reviewing your journeys can help you become a better driver and save money

Marmalade’s Black Box Insurance allows you to get in the driving seat to earn a safe driving discount at renewal or on your mileage top-up. Download the app once you take your policy out and can start viewing your journeys as soon as you’ve fitted your black box tag.

The app is available via the Apple and Android app stores.

Most of our customers drive safely with no cause for concern. However, repeated dangerous driving could result in additional charges to cover the increased risk of being in an accident for these drivers. Don’t worry, over 95% of our young drivers are not affected by this. You can check out our Driver Caution and Additional Premium process here.

Once the tag is fitted, you can log into the app to see how you drive on each journey, and to see on a map where you have driven. The box monitors speed, acceleration, braking, cornering and phone usage. You will be able to see on the map where any excessive speeding, acceleration or braking events occurred – or if you have made a smooth journey with no faults at all.

This can help you to improve your driving skills. You won’t speed on the same road twice if you know you’re doing it. Now don’t worry – we’re not going to penalise you for one-off mistakes, because they happen! Your score is worked out at an average over the whole journey, so if you do need to brake harshly on one occasion you’ll be fine, so long as you don’t do it consistently.

GREEN JOURNEY

Three to Five Stars

You’ve got yourself a green journey. Your driving is great!

AMBER JOURNEY

Two Stars

You’ve got an amber journey! Don’t worry – it just means there’s aspects of your driving that could be improved.

RED JOURNEY

One Star

You’ve got a red journey. We’ll work with you to identify the problem, so you can learn from your driving mistakes.

When you log into the app, you can see your score for each journey, and can look at each journey individually. You’ll also get your overall score, which lets you know on average how your driving is going.

If this stays high all year – you’ll earn an extra discount at renewal for safe driving.

There are also great features including the chance to earn badges for good driving.

Maintaining a high driving score could save you money. Drivers with an annual policy could earn an additional discount of up to 25% on their renewal and drivers with pay as you go cover pay less for their top up with a higher driving score.

If this stays high all year – you’ll earn an extra discount at renewal for safe driving.

There are also great features including the chance to earn badges for good driving.

Our clever app and portal lets you:

Review your driving score
Check each journey instantly
Locate your vehicle
Earn streaks and badges

DID YOU KNOW...

To help more young drivers get behind the wheel we offer an annual insurance or a pay as you go insurance option. Just choose which is best for your pocket!

Get a quote

If you’ve chosen to pay as you go for your black box insurance, your home screen tells you how many miles you’ve used, how many are remaining, and how long you have left to use them. Simple!

How do I know the tag is working?

Once it’s activated the tag will just sit quietly on your windscreen with no lights. Provided your trips are recording it is all in working order. From time to time the light may flash when it is transmitting data to your smartphone or is receiving a firmware upgrade. However, if you notice a red light, there may be an issue so we’d ask you to get in touch with us.

What do I do if I can't see my journey?

Please check that Bluetooth and location services are enabled and that there is no metal or significant barrier between the smartphone and tag (e.g. the glove compartment). If you are having issues, we advise you to find the Marmalade app in your phone settings and turn off the permissions for a few seconds (e.g. location service) and then turn them back on. This should resolve the issue for future journeys.

Can I connect my phone to my car to play music?

Yes, you can. You will need to connect the phone to the car’s on-board computer and change the songs/volume via the car and not on the phone. The phone cannot be touched or in motion whilst driving.

Can I use sat nav on my phone while driving?

Provided that you set the navigation to commence before you turn the ignition on and start your journey, then yes you can. However, once you are driving you should not touch your phone until you are have stopped and turned the engine off, or it will flag as distracted driving.

What do I do if I am a passenger in the vehicle?

If you’re a passenger in the insured car, and not driving, you can turn the Bluetooth off for the journey. If you need to keep your Bluetooth on, it’s best to let the person driving get in their car so that their phone pairs with the tag first, before you get in. If the trip is wrongly assigned to you, you can re-assign the trip in the app.

Can a passenger use my phone during the journey?

Our technology is pretty good, however, it can’t distinguish between the driver or the passenger holding the phone. This means that your phone should not be used by anyone in the car on your journey or it may flag distracted driving.

How much data will the app use?

To measure journey data in real time the app uses about 500KB of data per hour driven. To minimise the data used, you can select to only upload trip data w hen you’re on WiFi.

Can I get cover in Northern Ireland?

Yes indeed, you’ll be pleased to know we are able to provide young driver insurance in the majority of NI postcodes.

How do I top up my miles?

Sit back and relax as we’ll have it all in hand! Your miles will top-up automatically when you have 50 miles left. Payment will be taken from your card and we’ll send you an email to confirm.

Parent advice

Advice and guides for parents helping their learner driver on their driving journey.

Discover our advice

Black Box Mythbusters

There’s a lot of misconceptions around driving with a black box – we’ve got the facts on what’s true and false!

Visit the Driver Hub

Check out the latest stories and blogs from young drivers

Visit the Driver Hub

* based on Marmalade Black Box Insurance policies incepted between 1st January 2020 and 31st December 2020. 1 in 14 Marmalade drivers have an accident during their policy term, compared with 1 in 5 young drivers who have an accident in the first year after passing their test, according to National Statistics.

Useful links

Guide to Electric Cars

Young Driver Insurance

Modern Slavery Statement

Products

Learner Driver Insurance

Black Box Insurance

Named Young Driver Insurance

Student Car Insurance

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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 – monitoring your driving

Watch our guide to setting up your app & telematics tag

How to review your driving

Your driving score - We use a simple traffic light system to let you know how you’re driving – here is how it works:

How to check your journeys

When you log into the app, you can see your score for each journey, and can look at each journey individually. You’ll also get your overall score, which lets you know on average how your driving is going.

Our clever app and portal lets you:

DID YOU KNOW...

View your miles used

Frequently asked questions

Parent advice

Black Box Mythbusters

Visit the Driver Hub