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Black Box Insurance

Unique research by Marmalade shows that 77% of young drivers feel stereotyped.

Our black box insurance solution not only allows us to prove Marmalade’s drivers are some of the safest young drivers on the road. It also helps them to combat pressure from passengers to drive recklessly or out of their comfort zone. All this with a solution that is without curfews and allows young drivers to build up their own no claims bonus

Intrigued by black box insurance but not entirely sure what it is and how it can benefit you? Read on to find out more.

At Marmalade we specialise in helping young drivers get on the road and black box insurance is a key aspect of our car insurance offering. Essentially, black box insurance, also known as telematics insurance, enables you to earn cheaper premiums by proving yourself as a safe, responsible driver. Our black box technology can also help you to improve your driving skills and reduces the likelihood of you being involved in an accident by up to 75%*. Sound pretty good? Here’s how it works:

So you think you should pay less for your insurance?

As a young driver you’ve probably noticed that car insurance premiums tend to be pretty steep. It is a fact of life that young people are likely to pay more for their car insurance. This is because young drivers are statistically proven to be a higher risk group and because higher risk inevitably equals higher premiums, anyone who falls into that grouping can expect more expensive car insurance quotes.

Most insurance is calculated using large age-based groupings because there isn’t sufficient data available relating to the individual driver - this is especially true in the case of young motorists. But all is not lost! This is where black box technology comes in.

By installing a discreet black box behind the dashboard of your car your driving data will be transmitted to us using a GPS signal. This allows us to get a more accurate, personalised impression of your driving and helps you identify areas you may need to improve. So, at renewal, we can then give you a personalised premium based on your driving, and, on the rare occasions we flag a cause for concern, one of our friendly team will pick up the phone and talk it through with you and give you tips on improving. We’re not spying to see where you are at 2am on a Saturday night – we’re just interested in how safely you’re driving!

It doesn’t happen very often, but if one of our young drivers repeatedly drives dangerously, we will charge a premium increase to cover their increased risk of being in an accident. Fortunately 9 out of 10 drivers never have that problem!

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We only insure newer cars up to 9 years old with an engine size of up to 1.4 litres (because they're safer for new drivers)

Why choose black box insurance from Marmalade?

Our black box insurance puts you in the driver’s seat as we give you our lowest price from day one rather than cashback later on, and safer drivers get an additional discount on their renewal premium!

Here's what Emily Banks, one of our young drivers from Stockport had to say about saving money on her car insurance:

" In my second year with Marmalade I saved over 66% on my car insurance from the first year due to my good driving score over the previous year. This was a great saving and all other companies that I checked were not even comparable to the price that I now pay for my insurance. Having the black box installed in my car also helps me to be a safe driver but also allows me to have so much freedom. It’s brilliant! "

Some insurers charge extra if you drive at night, but at Marmalade we know how important it is for you to have the freedom to drive when you like, and to develop your safe driving skills, whatever the time of day. That’s why we don’t impose any curfews or night time driving penalties.

Our black box insurance can also help you to improve your driving by allowing you to analyse your own driving data via a simple online interface. This means you’ll be able to see all the data we’ve collected about your driving and use it to get a better impression of how well you’re driving and where you could improve.

Take a look at our telematics insurance guide to find out more about black box insurance from Marmalade.

* based on Marmalade claims data Jan 2013-August 2015. 1 in 18 Marmalade drivers have an accident within 6 months of their policy start date, compared with 1 in 5 young drivers who have an accident in the first 6 months after passing their test, according to National Statistics.

Danielle Cooney 18, Birmingham says...

"I was worried about having the box fitted to my car at first because I wasn’t sure how strict or sensitive it was but it's definitely helping me become a better driver."

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Marmalade is a trading style of Young Marmalade Limited (registered in England under company number 04627884) and Provisional Marmalade Limited (Registered in England under company number 06779950).
Registered office for both companies is Marmalade House, Alpha Business Centre, Mallard Road, Bretton, Peterborough, PE3 8AF. Young Marmalade Limited is an Appointed Representative of Provisional Marmalade Limited, which is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 542063. You can check this on the Financial Services Register by visiting