Telematics insurance guide

Why try Telematics Insurance?

Black Box Insurance can help young drivers get a more personalised premium on renewal, based on how they drive rather than just their age or experience.

You can improve your driving skills

As you drive, the black box tracks your journeys and gives each journey a driving score. It measures things like braking, accelerating and cornering, and gives each journey ‘green’ (3 to 5 stars), ‘amber’ (2 stars), or ‘red’ (1 star) ratings.

We’re passionate about encouraging safe driving behaviours and helping you improve, so we’ll give you feedback if any driving mistakes are flagged during your journey.

Earn your own No Claims Bonus

As a young driver, the price of your car insurance is going to be higher than that of someone with years of driving experience. Whilst this is down to a number of things, such as car model, location and where you keep the car, driving experience is the main factor when it comes to insurance prices.

Experienced drivers can take advantage of their No Claims Bonus, providing them with a nicely reduced premium after each claim-free year – and our black box policies give young drivers the opportunity to make a start on building their own.

A chance to earn a lower premium

With the way that Black Box Insurance works, a driver can earn a personalised premium on the renewal of their policy. The safer they drive, the lower the cost of their car insurance at renewal.

Did you know that Marmalade’s safe drivers get rewarded with our safe driving discount on the renewal of their policy? Find out more about our discounts here.

No risk to your parent’s No Claims Bonus

When you choose our Named Young Driver Insurance policy, you’re choosing Black Box Insurance with a car-sharing aspect. Our app will detect when the young driver is driving to collect the needed data, and it will know when someone else is driving, so it can’t collect their data.

If the young driver needs to make a claim, the No Claims Bonus of the car’s main driver won’t be affected.

Get a Black Box Insurance quote

Enjoy instant comprehensive cover for 12 months and start collecting your own No Claims Discount!

Get a quote

How does Black Box Insurance work?

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Discreet telematics tag

Marmalade uses a small telematics tag that sits directly behind your rear-view mirror and transmits driving data to us for every journey.

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GPS Data Transmission

Your driving data 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.

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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.

What does the telematics device measure?

The device looks at the location and distance of each journey and measures acceleration, braking, cornering, speed and mobile phone use.

Don't worry this doesn’t mean we’ll be scrutinising every second of your driving, we are only concerned if there are repeated incidences of unsafe driving. It may be re-assuring to know that the vast majority of journeys driven are “green” (meaning good!)

Can I view my driving data?

Yes. In fact, there’s a good chance you’ll spend far longer checking out your driving data than we will. Your data is only flagged to us if you’re driving dangerously, but you can check your driving stats anytime.

All your driving data is stored in the Marmalade Insurance app which you will have downloaded to pair to the tag. Here you can view all the acceleration, braking, cornering, speed, and phone usage info your telematics tag has collected. You can track how you’ve been driving according to our simple red, amber and green flagging system, giving you total transparency.

It’s a great way to get insight into the way you drive, where you can improve, and where you’re doing really well.