HOW DOES BLACK BOX INSURANCE WORK?


By measuring a number of factors when you drive, we calculate a Driving Behaviour Score which is rated out of 100. We don't have a curfew for night-time driving; however, your score will be lowered if you regularly drive between 11pm and 5am.



Safer driving means lower premiums for all our customers. Equally, poor driving increases the risk of claims and means premiums generally increase.
SEVERE EXTREME SPEEDING EVENT
A Severe Extreme Speeding Event occurs if you exceed the applicable road speed limit by the tolerances listed:
40mph+ in a 20mph limit
50mph+ in a 30mph limit
60mph+ in a 40mph limit
70mph+ in a 50mph limit
85mph+ in a 60mph limit
100mph+ in a 70mph limit
EXTREME SPEEDING EVENT
An Extreme Speeding Event occurs if you exceed the applicable road speed limit by the tolerances listed:
30mph+ in a 20mph limit
43mph+ in a 30mph limit
55mph+ in a 40mph limit
65mph+ in a 50mph limit
75mph+ in a 60mph limit
85mph+ in a 70mph limit
If you exceed the speed limit regularly and your speeding doesn't improve after a warning, we may need to cancel your policy. Please note that if you exceed 100mph or double the speed limit, we will cancel your insurance.