Compare car insurance without a black box
At Quote Goat, we appreciate that many drivers do not want a black box in their vehicle. So, when you run a comparison with us, you can see quotes for non-black box policies quickly and easily.
Our quote system has over 110 car insurance providers, most of whom provide insurance policies that do not require telematics. It takes around 3-5 minutes to run a quote; all you need to provide are details about you, your driving history and your vehicle. You can then compare quotes from across the market.
What are black box policies?
Black box policies are relatively new, first introduced to the market in 2009. They started out as a product for young drivers, but older drivers are also seeing them included in results now. They gather a range of data points which can include; how fast you drive, how often you use your vehicle, how far you go, where the vehicle is parked, how hard you brake, your speed whilst driving and whilst taking corners and the time of day you drive and more.
This data provides valuable insight into the level of risk each policyholder represents when being insured by a provider. As a result, insurance providers can use these data points to amend their pricing dependent on the risk profile of each driver. Safer drivers benefit from cheaper premiums as they are less likely to be in an accident or make a claim. The opposite is also true; higher risk drivers will need to pay a higher premium or alter their driving habits.
Is car insurance without a black box more expensive?
Yes – according to our research. We ran multiple quotes for drivers between the ages of 19 and 22 in various locations. Our results showed that car insurance policies without any form of telematics cost 39% more on average than policies with them.
The most significant difference was for drivers aged 19, who naturally have less experience, where insurance without a black box was on average 61% more expensive. As a driver’s experience increases, the difference in cost lessens. A 22-year-old driver with two years’ experience would pay 21% more for a policy without a black box. As drivers gain experience, this gap reduces further.
If you are considering a standard policy, we recommend getting a quote to see how the price varies between the two options. It is worth noting that insurance costs can vary significantly, so your circumstances may mean that not having a black box policy is a similar cost to a policy with one. Get a quote above to see for yourself.
Who might want cover without a black box?
Typically, people looking for this type of cover are drivers who do not wish for insurance providers to track their vehicle usage or driving style. This is generally due to either privacy concerns or because the policyholder feels that their driving habits may increase the cost of their premium. However, not all telematics policies are the same; for example, it is a common misconception that a black box policy will always penalise people who drive at night or limit the number of miles you can do. Although this can be the case, it is not for every insurance provider. Our comparison system clarifies each quote result by highlighting key features of every policy so you can quickly and easily see any undesirable restrictions.