Telematics car insurance - also known as black box insurance, GPS car insurance, smartbox insurance, pay-as-you-drive insurance and usage-based insurance - works either through a small black box device that's fitted to your car or a mobile phone app which can collect the following type of information:
- The speed you drive
- Braking and accelerating habits
- Distance travelled
- Time of day you travel
- Types of roads you travel on
Your premium will be calculated depending on the data gathered, with drivers who meet or exceed the agreed criteria benefiting and those who don't suffering.
Furthermore, if you have a black box it can act as a tracking device, so if your vehicle is lost or stolen, you (or the police) can find it sooner.
Some policies will give you access to an online dashboard where you can review your driving and learn to improve it.
Telematics has traditionally been seen as an attractive option for safe, young drivers looking for affordable premiums, but it has the potential to offer benefits to good drivers of any age - you can read more about telematics for experienced and older drivers .........
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