What is Black 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 personalised premiums based on skill – 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.
Why consider Marmalade Black Box Insurance?
Annual Insurance
Select your annual mileage
- Start earning a No Claims Discount
- Safe drivers can earn a personalised premium at renewal
- Monthly payment available
Three steps to getting on the road
1
Choose your cover
Get a black box insurance quote in minutes – and you can drive straight away!
2
Fit the black box
We’ll send you an easy-to-fit black box within two 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!
3
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 a personalised premium at renewal!
How does it work?
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.
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.
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).
Safe driving
The majority of drivers stay “in the green” and drive well. The best news is that you’ll earn a personalised premium at renewal, or when your top up rates are reviewed, for safe driving - in addition to any No Claims Discount you’ve earned.
Frequently asked questions
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.
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.
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.
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 in our guide.
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.
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 black box insurance has the potential to make the price of cover more affordable for some members of this age group.
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.
Get set for the open road!
Join thousands of young drivers enjoying black box insurance without curfews or night-time driving restrictions.
Black Box Insurance for learner drivers
If you’ve got a provisional licence and you’re going to be driving the same car after you pass your test, depending on your circumstances, learner driver insurance with a black box might be worth considering. Your cover will continue seamlessly when you pass and you will start earning your no claims discount as early as possible.
Black Box mythbusters
How to fit a black box
