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Insurethebox was founded in 2010 and provides car insurance to UK motorists, specializing in black box insurance. This uses technology to monitor your driving habits and if the information shows that you are a safe driver, your insurer will lower your premium for you.
The Newcastle-based firm has thousands of active policyholders in the UK and their customers recently reached a total of 3 billion miles driven using telematics.
The average mileage for a driver in the UK is around 7,900 miles per year. (Source: BBC). With Insure The Box car insurance, you purchase ‘miles’ in increments such as 6,000, 8,000 or 10,000 Policy Miles and this is based on how much you expect to drive in a year. Whenever you run out of miles, you can simply top up, kind of like ‘pay as you go’ driving.
Insurance premiums increase the more mileage you do because it means you are spending more time on the road and more likely to be involved in an accident. The area you live in will impact your insurance as there is greater risk for those areas with a higher crime rate, adverse weather conditions or risk of flooding.
Young drivers are specifically prone to high premiums because they lack experience on the road and are considered a high risk by insurers to be involved in a claim. Once you have made a claim on your vehicle, your next premium becomes very costly as insurers see you as a bigger risk to insure.
All policies will be subject to a 10% insurance premium tax which was introduced in the budget 2016. As insurance can be so costly, the technology provided by Insure the box offers a great way to save money on your policy.
A telematics box, also known as little black box insurance, involves fitting a device the size of a smart phone onto your car’s dashboard. Using GPS, every aspect of your driving is tracked to get an idea of the quality of your driving including accelerating, braking, turning and times of day that you commute.
The device is supposed to reward safe drivers by feeding the information back to your insurer who will gladly lower the cost of your insurance if you have been driving safely or doing less mileage.
According to their website, the average driver saves around £447 on their insurance by fitting a little black box and young drivers aged 17 to 25 can save around £200 upon renewal, highlighting the possible savings.
At Call Wiser, we work with over 30 leading companies, including specialist black box insurers. We appreciate that there is no one size fits all when it comes to purchasing for insurance, which is why we try to find a policy that is completely tailored to your needs.
Rather than applying for insurance with just one company, we are able to compare quotes and offers from multiple companies. So you can obtain telematics insurance for your teenage driver, classic car cover for Dad’s weekend car and 4x4 insurance for Mum’s people carrier – and you can put this all under one single policy. So you can have one renewal date, less admin and get the lowest price possible for several different types of cover in one place.
We are passionate about offering a personal service to our customers which is why we encourage you to give a call for a free quote on 0333 003 3270. We have a large team of experienced and qualified advisors based in Andover, Hampshire and they are ready to take your call.
Once we have asked few simple questions about your vehicle, annual mileage and driving history, we can provide you with a free quote there and then. Please have your driver’s license and car registration details available so that we can process your application as quickly as possible. We don’t like the idea of filling in lots of forms and posting them off which is why we try to handle everything by email and online.
In addition to providing competitive quotes, we will also recommend other ways to save money on car insurance, other than using telematics. This includes a paying a little extra voluntary excess if you need to make a claim, adding security features to your vehicle like immobilisers and also paying in one lump sum, as this will save you 20% compared to paying in instalments.
Other savings include free breakdown cover with every new policy, claim assistance if you have to go to court for a claim that wasn’t your fault, mobile phone, handbag, wallet and gadget cover too is all included.