Admiral Little Black Box Review
Company Name: Admiral
Company Description: A review of Admiral's Little Box Black Insurance Policy
I’ve been working in insurance comparison for 11 years at the time of writing and when black box technology started to rise in popularity I have to admit that the idea of an insurance company following your every move was not appealing and I subsequently stayed clear of the more affordable black box policies. That was, however, until my parked car was involved in a hit and run and the cost to renew my insurance premium shot up to over £2,000 for the year.
I naturally went to our site to look at quotes from other providers and received a quote of circa £700 for the year if I had a temporary black box in my car from Admiral for just three months. There was no fitting by a professional involved as it simply sticks to the underside of your passenger seat and is powered by the 12v socket.
On the basis that I could lower my insurance by £1,300 I decided to take the plunge and try a black box. The idea behind the temporary box is that Admiral can gather enough data from your driving over a 3 month period and either lower your premium further, keep it the same or increase your premium. This decision depends on a range of factors, some of which we will look at below.
When I spoke to Admiral to order the box I asked them what I can do to ensure my premium stays low after the 3 month period. As you would expect it is important to stay within the speed limits, not regularly slam on your brakes (in other words leave plenty of room for the driver infront), driving as little as possible between the hours of 10pm and 5:00 am, driving a similar number of miles to the figure provided in the quote form and parking at your home address. With all of that understood I went ahead and ordered my new insurance policy.
The package arrived a few days after ordering and was as easy as promised when it comes to fitting the device.
As soon as I started driving with the box I knew that my black box score was something that I would be thinking about for the next three months; did I brake too hard? Did I forget to slow down before the 30 mph sign etc. etc.
After the first week I received an email proclaiming that I had achieved a gold standard of driving for that week. This was very encouraging and I knew I was surely on my way to reducing my insurance costs even further at the end of 3 month “monitoring process”.
The emails went as roughly as follows: week 2, gold, week 3 gold, week 4 gold, week 5 gold, week 6 silver, week 7 silver, week 8 whilst away on honeymoon, BRONZE! week 9 whilst still away on honeymoon BRONZE!
I couldn’t believe it, our score had dropped when we weren’t even in the country. How could that happen? Well after speaking with Admiral it turns out that if you go on holiday and leave your car away from your home address then you are not leaving your car in the agreed place and therefore can accrue “negative points” or whatever you want to call them. I thought this was particularly unfair given that our car was now in a place infinitely safer than the center of London, however I appreciate it would be harder to work out when a car is in a safer place than the owner’s stated address.
Returning the box:
At the end of the 3 months I returned the black box to Admiral and waited to see how our driving had impacted our insurance cost. In fact, it stayed exactly the same at around £700. So we did not save anything further, but we had already saved over £1,300.
Apart from the unfortunate parking event, I could not have been happier with the experience on the basis that I saved so much money over the course of the year. Yes it was not ideal to have the black box in the car for 3 months but actually if it makes you drive safely and think more about stopping distances and speed then it can only be a good thing for those who drive within the law.
You can use our comparison system by clicking the button at the top of this page to get a quote, comparing prices from over 100 insurance providers. If you prefer insurance with no black box, we can also provide quotes for that.