Our guide can help young drivers decide whether telematics insurance is right for them
The unfortunate, and often tragic, truth is that there is a direct correlation¹ between young drivers and car accidents. That’s why car insurance for young drivers is more expensive.
Marmalade’s black box assists us in enabling more young drivers to get onto the road and become better drivers². With Marmalade 1 in 18 young drivers are involved in an accident within the first 6 months of their policy versus nationally, where 1 in 5 young drivers are involved in an accident within 6 months of passing their test.
We know that everyone has the potential to be a great driver. And while we know we can’t change the accident statistics overnight, we also know that there are 10s of 1000s of young drivers who have never had any problems out on the road. We like to take an individual view on driving ability rather than trust in the statistics of the majority, and the best way for us to do that is to review and help improve driving style through telematics technology.
Many think having a black box equals having a curfew - Wrong! While some insurers impose curfews or impose penalties for driving at night (as they see it as a riskier time to drive) Marmalade champions young drivers and won’t restrict your driving hours. Lots of young drivers want to work or socialise late in the evening, and, of course, the whole point of driving is to gain independence.
We believe that allowing young people to drive when they want allows them to develop their driving skills at all times of day and night. In fact, there could be a higher risk of an accident if a young driver is rushing to get home before their curfew. At the end of the day, we trust young drivers to drive safely.
Unlike some insurers, with Marmalade's Black Box Insurance, there isn’t a cap imposed on how many miles you can do each year, so there aren’t any penalties to worry about. Who knows where life will take you? Commuting, road trips, just driving locally – wherever you want to drive, we’re here to help, not impose constraints.
When you’re filling in insurance forms for any insurance company, just be honest about your mileage. This helps us insurers make sure you’re properly protected and that you receive the best quote for you. Misleading insurers about your mileage can affect any claims that you make.
So, this one is not actually a myth, but don't worry, we will only share the data with the police if we receive a formal request - this is not sent pro-actively if you break the speed limit. The police can request driving data if they have a reason to investigate a driver. By law, we have to work with the authorities to provide the relevant information.
How often has this happened?
We have had less than a handful of requests in the last 6 months, so this kind of request is very, very rare.
It's a common misconception that one driving mistake will lead to an increased premium or penalty. This simply isn't true, genuine driving mistakes will not lead to increased premiums. There would only be an increase if the mistakes happened repeatedly.
OK, so I won’t get penalised. So what does happens when I make a mistake?
Our black box measures acceleration, braking, and average speed. If there are a number of points in the journey where you have driven “at risk” then it will flag as a red journey. Here’s what happens next:
The first time this happens you’ll receive a call from the Marmalade team within 24 hours to talk you through the journey. We’ll have a chat about what went wrong, and give you tips to improve and avoid more red journeys in future.
With our Black Box Insurance, for a premium increase to happen, you’d have to have 3 red journeys. On our Named Young Driver Insurance, there is no premium increase, but you can read the caution process we follow here.
At the end of the day, we know that mistakes happen. We’re not here to punish you – we’re here to encourage drivers to be self-aware and to drive more safely. It’s only drivers who repeatedly drive at risk that will incur a premium increase.
And what about a genuinely one off incident on an otherwise good journey?
Our telematics devices are smart. If a single mistake happens or you have a genuine reason to brake suddenly, it won’t trigger a red journey. There have to be multiple points in a journey when the driver has driven at risk for a red journey to be flagged, so a single hiccup won’t matter – we understand, and our technology understands, that these things happen.
Also, for any premium increase to occur, a driver has to rack up multiple red journeys within a given period. Premium increases only happen when drivers repeatedly drive at risk – and less than 1 in 10 of our drivers are asked to pay a premium increase, so it really is just the rare few.
Marmalade’s Black Box Insurance is a telematics policy designed for young drivers who are the main driver of their own car. It’s ideal for drivers aged 17 – 30 and the main benefits are:
Discreet black box
Marmalade uses small device, fitted to your car, that transmits driving data to us for every journey.
GPS Data Transmission
Your driving date is sent to us via a GPS signal. This gives us a more accurate picture of how you drive, allowing us to adapt the cost of car insurance to your particular driving style.
Save money at renewal
Stick to speed limits and the rules of the road and you’ll be rewarded with a safe driving discount at renewal.
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