Telematics Car Insurance Comparison
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- Compare 110+ providers & save up to £334*
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Compare Telematics Insurance
Wondering what telematics car insurance is all about and if it’s right for you? Take a look at answers to commonly asked questions and find out how Tiger.co.uk could help you save on your car insurance.
What is telematics insurance?
A telematics – or black box – insurance policy requires you to install a black box in your vehicle that tracks your car usage and driving style. It tracks data like your handling, speed, length, and time of journey and reports this back to your insurance provider.
Your insurer then adjusts your premium on a day-to-day basis based on how safe your driving is judged to be. If your driving is seen as safe your premiums could go down, but conversely, if it’s seen as risky your premiums could go up.
Telematics insurance is suitable for any type of vehicle, whether a gas-powered or electric car, as long as you can connect a telematics device.
Does telematics affect insurance?
Yes, a telematics device records key metrics on your driving such as speed, acceleration and breaking. If you drive well then this can help keep your premiums low, if your driving behaviour is measured as risky then the insurer has the right to raise your premiums.
What are the pros and cons of telematics?
Telematics can essentially save you money on your premiums through demonstrating you are a good driver who reduces their risk of getting in an accident. This is a big pro for people who are wanting to reduce their premiums however your driving data will be constantly monitored by the insurer which some consider a con. As a further note if you are driving recklessly with a telematic device installed then your premiums may be raised.
Can you turn telematics off in your car?
Usually, telematics can be turned off, although it depends on the particular device in your car. If it’s an onboard device (OBD) this can usually be unplugged from the port, and if it operates through an app this can usually be disabled and deleted on your smartphone. If your telematics is connected to pre-installed technology in your car (like GPS) it can be trickier to remove yourself.
Keep in mind that if you turn off your telematics it could affect your insurance plan, including how much you pay and its validity.
Is telematics worth having?
Telematics cover can be a good option if proving you’re a safer driver could reduce the cost of your policy. This is particularly true for younger and older drivers, those who are inexperienced or have convictions that might make insurance premiums higher. As long as you’re a law-abiding, safe driver then signing up for a telematics policy could save you money.
Aside from the cash savings, black boxes can also give you feedback on your driving, which can encourage safer driving, and help settle claims if there’s a dispute over who caused an accident.
How do I find cheaper telematics insurance?
As with any insurance, collecting and comparing multiple telematics insurance quotes using a comparison service like Tiger.co.uk can help you find the most competitive rates. Other steps you can take to reduce the cost of your insurance premium include:
- Selecting a cheaper car model
- Choosing higher excess
- Adding security features like car alarms and immobilisers
- Secure parking in a garage or driveway overnight.
Find great deals with Tiger.co.uk
To help you find great deals, it’s always a good idea to compare telematics insurance quotes across multiple providers. With Tiger.co.uk’s free, no-fuss comparison tool, you can quickly and easily compare telematics policies and make sure that you’re getting a competitive deal that’s right for you.
*51% of consumers could save £333.50 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from September 2022 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.