DrivePlus from Direct Line

Direct Line's Drive Plus

Black box insurance policies, that use telematics technology to observe your driving habits via AN in-car information recorder, might prove the be the solution for several motorists making an attempt to lower high insurance premiums, in step with analysis revealed by What Car? magazine.
The questionable 'black box', that is regarding the dimensions of a pack of automobileds and is fitted to your car by the underwriter at no additional price, perpetually assesses your driving vogue - like how briskly you are taking corners, or the speeds at that you accelerate and brake. The insurance supplier then rewards sensible driving with either regular refunds or a considerably lower premium after you return to renew your policy. Some suppliers may additionally punish a breach of restrictions, like late-night driving. Drivers will typically track their performance with AN app they will transfer to their smartphone or pill.  
For teenagers, for whom the typical automobile insurance premium is £2500, a median half-hour saving for 17-20-year-olds might create the distinction between running a automobile and having to place confidence in transport or their parents' 'taxi service'.  
Telematics-based insurance is not new – insurance supplier Norwich Union trialled it in 2004 however withdrew the theme because of lack of demand. However, with AN increasing variety of drivers prevented from running a automobile by the price of insurance, additional and additional suppliers have started victimization telematics to fill this gap within the market.  
Some automobile makers have gotten in on the act, too, providing telematics-based insurance as a part of a competitively priced new-car package geared toward tykes. The Alfa lover Mito, Citroen C1 and Vauxhall Corsa superminis all presently associate with such offers. Meanwhile, Autocar begin, a replacement theme that helps learner drivers afford a replacement automobile, additionally includes telematics-based insurance.  
Telematics for all ages
While telematics-based insurance policies tend to be marketed towards teenagers and tykes (who square measure quoted the very best insurance premiums), some suppliers provide them to drivers of just about any age - on condition that your premium is already quite low could the insurance firm withhold their telematics-based policy, because the price of provision and fitting the recorder (around £200) could just about be coated by your premium.
Teenagers could also be able to create even larger savings if they add one or each folks as named drivers. However, since the recorder cannot establish United Nations agency is driving, each driver can ought to stick with Any criteria like night-time curfew; families will ought to calculate their combined annual mileage if an overall limit is a component of the policy.  
For safety's sake
For parents particularly, telematics-based insurance offers a win-win answer to the key considerations regarding teenagers' driving habits – expense and safety. The AA confirms that having a recorder causes you to less inclined. It says users of its telematics-based policy, Drivesafe, square measure half-hour less seemingly to form a claim than those that square measure insured conventionally. Meanwhile, analysis by specialist recorder policy supplier Insurethebox shows that in-car telematics devices cut the amount of accidents caused by young drivers by 35-40%.