FREE RAC breakdown cover^

If selected when you buy RAC Black Box Car Insurance

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Black Box Car Insurance

RAC Black Box Car Insurance helps young drivers save money by rewarding safe driving. Black box insurance, also known as telematics, puts you in control. Once your black box is installed we monitor your driving behaviour, so your renewal price is based on the way you drive, helping to lower your cost of motoring.

No curfews
Drive where you want, when you want - no restrictions.

No mileage limits
We don't impose mileage limits or charge you on a per mile basis.

No installation fees
We'll arrange to fit the box at the time and location convenient to you.

We reward careful drivers
So, the safer you drive the cheaper your insurance premium* could be at renewal.

Black Box driver app
Monitor your Driver Score, car health and journey details with our handy free Black Box driver app.

Vehicle Locator
Our little black box could help track your car down if lost or moved.


Or call us on 0333 159 1042.

12 months FREE RAC Breakdown cover^

Get free 24/7 breakdown cover from the UK’s most trusted breakdown provider when you take out RAC Black Box Insurance. Our Patrols fix 4 out of 5 vehicles at the roadside and within an average of 30 minutes, taking the worry out of motoring for our policyholders.

What is telematics?

Telematics is an advanced driving technology that monitors the way you drive. It tracks things like braking and acceleration and works out how safe a driver you are by giving you a score out of 100. The higher your score, the better your driving and the lower the price your insurance could be.*

At the RAC, we call this technology RAC Black Box.

It's simple and easy to install: one of our approved fitters will fit a small black box into your car which is the telematics unit, or 'black box'. It uses GPS to give us the information we need to ensure you're driving safely and to provide you with the most competitive price based on your driving behaviours.

The information it gives us also helps us to let you know when you need to make some changes to your driving to ensure you get the best insurance price for you and your vehicle.

What's in the box?

Our telematics technology uses this matchbox-size telematics box to collect data about the way your car has been driven. This includes your speed, acceleration and braking, where and when you drive. The data is then sent to us securely over a wireless network, where we then have a picture of how you drive.

Based on this data we will give you a Driver Score which you can access online via your personalised RAC Black Box Insurance Portal or app.

Inside the box:

  • GPS chip which tells us when and where the car is driven
  • G-force sensor which monitors how the car is driven
  • SIM card which is used to send the data back to us
  • Back-up battery in case the box is tampered with or your vehicle loses power

Your black box insurance Driver Score

Seven days after having the box installed and once we have recorded your first 200 miles, we will calculate your Driver Score. Your Driver Score is based on your speed, acceleration and braking as well as when and where you drive and will, from then on, be updated every seven days from the date the box was installed. You can review your Driver Score and how to save money on your fuel bill online, by downloading our free Black Box driver app (currently only for iOS and Windows) or via your RAC Black Box Portal.

Your Driver Score is what will trigger the driving alerts you may receive and is scored on a scale of 1 - 100.

Red Driving Alerts

If your Driver Score falls below an acceptable level, we will send you a Red Alert by email to notify you that you need to make changes to the way you drive. You can login to your portal to view hints and tips on how to improve your Driver Score.

How to get cover with RAC Black Box Insurance

From quote to installation, you could start to benefit from an RAC Black Box policy in just a few simple steps, and you’ll be insured to drive your car straightaway:

  1. Get a quote. Online or over the phone. It's quick and easy as you just need to provide some basic details about you and your car.
  2. Buy today. You'll be insured to drive your car straightaway. You can pay monthly or as a lump sum, so make sure you've got your bank details to hand.
  3. Get the black box fitted. Within 14 days of the policy start date. It normally takes less than an hour and our fitter will come to a location that’s convenient for you.
  4. Enjoy the benefits. Of your personal online RAC Black Box Insurance portal, with information on your Driver Score and journeys, and money-saving tips.

Download our free driver app

If you have a mobile device that runs iOS or Windows, you can now download our RAC Black Box driver app. - Monitor your Driver Score - View journey details - Check your car's health and current location - Set date reminders for your next car tax, MOT and service

iOS download Windows download

Understanding your Red Driving Alerts

  1. If your Driver Score falls below our acceptable limit you will be issued a Red Alert by email.
  2. You need to make changes to the way you drive, so login to your portal for advice and tips on improving your score.
  3. If your Driver Score continues to be of an unacceptable level you will receive further Red Alerts.
  4. If you receive three Red Alerts during your policy term your policy will be cancelled.

What happens if I continue to receive Red Alert messages?

If your Driver Score continues to be of an unacceptable level and you receive three Red Alerts during your policy term, your policy will be cancelled. Please be advised that should this happen, this may adversely affect any future insurance applications you make with us or other providers.

Find out how Black Box Insurance could help your child get on the road

  

Find out how easy it is to get the box fitted to your car

  

Here are some of the most frequently asked questions we receive about RAC Black Box Insurance

  

All the information you need to retrieve a quote, amend your policy or make a claim

  

View all the optional extras available when you buy RAC Black Box Car Insurance

  

Review the benefits that our 5* product cover offers

  
We also offer

Find out how new and inexperienced drivers can help lower their car insurance premium

  

Find out how young drivers could save money with RAC Black Box Insurance

  

Flexible, short term cover allowing learners the chance to gain experience behind the wheel at home

  

5 Star Black Box Car Insurance

Black Box Car Insurance has been awarded a 5 star rating by Defaqto.

If you buy an RAC Black Box Car Insurance policy you will need to have an RAC Black Box fitted to your vehicle.

This box will monitor how your vehicle is driven and provide a Driver Score which will help us price your insurance premium at renewal. Please note, the Driver Score is based upon how the vehicle is driven, therefore the driving behaviour of all parties eligible to drive the vehicle will be taken into account.

^ Terms and conditions:

  1. This offer applies to new annual RAC Black Box Car Insurance policies and is not available to customers renewing or amending an existing policy.
  2. RAC breakdown cover is attached to the car insurance policy and will end if the car insurance policy is cancelled or not renewed. Unless opted out, your RAC breakdown cover will automatically renew alongside your car insurance policy and will become chargeable using the payment details supplied when taking out the insurance.
  3. The breakdown offer will consist of a 12-month single Vehicle Based UK Roadside Membership for the same car as insured through RAC Black Box Car Insurance.
  4. To take out this offer the customer must select the correct breakdown option, at a cost of £0.00, during the purchase journey.
  5. This offer is not available to existing RAC Members.
  6. Standard terms and conditions for the breakdown cover will apply and can be found here.  
  7. The offer cannot be transferred to any other policy and there is no cash equivalent available.
  8. The offer runs until 31st December 2016.  We reserve the right to amend or withdraw this offer at any time.

* In comparison to standard RAC Car Insurance.

RAC Insurance is a trading name of RAC Financial Services Limited. Registered in England and Wales No. 5171817. Registered office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. RAC Car Insurance and RAC Home Insurance are arranged and administered by BISL Limited, which is an independent intermediary. Registered in England no. 3231094. Registered office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. Both companies are authorised and regulated by the Financial Conduct Authority.

Breakdown cover provided by RAC Motoring Services (Registered No 01424399) and RAC Insurance Ltd (Registered No 2355834). Registered in England; Registered Offices: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. Arranged, sold and administered by RAC Motoring Services who is authorised and regulated by the Financial Conduct Authority in respect of insurance mediation activities only. RAC Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

 

© 2016 RAC Motoring Services. All rights reserved.