Young Driver Insurance, also known as black box insurance, monitors driving behaviour to encourage safer driving habits and lower premiums. Young drivers are classified by insurers as aged 17-24, and as new drivers they are often charged higher premiums than their parents. RAC Black Box Car Insurance aims to level the premiums playing field, educate young drivers on best driving practises, and get younger drivers insurance cover that’s more fairly priced.
Cheap Car Insurance for Young Drivers
RAC Black Box Car Insurance uses GPS technology, also known as Telematics, to track the way you drive – analysing the use of acceleration, braking and where and when you drive. It uses the data gathered to provide a statistical analysis presented to you in the form of a driving score, and applies savings at renewal to those who have a good driving score. This means that your premiums are tailored to the way you drive, not just assumptions made on your age range and location. If you keep your good driving up, not only will you have the chance to have your premiums reduced again at renewal, but you could benefit from the long-term savings made on petrol, tyre wear and maintenance.
You can access your driving rating and the advice we give you to improve your score through your own personalised online Insurance Portal.
Why is Car Insurance so expensive for Young Drivers?
If you’re a young driver, unfortunately you could end up paying more for your car insurance. Statistics show that 23% of drivers aged 18-24 will have an accident within their first two years of driving, mainly due to inexperience and lack of road awareness. Not being used to motorway driving, night-time driving, and driving in adverse weather conditions means that premiums for younger drivers are generally higher for those under the age of 25.
Until Black Box Insurance, there was no way for young drivers to prove that they were safe on the road, so insurers had to make general assumptions about their driving behaviour based on these traffic accident statistics rather than their individual driving record.
Can Student Drivers get Black Box Insurance?
Student drivers can also benefit from the advantages of Black Box Insurance. Student drivers living in a city are more likely to claim on their policy or be a victim of crime, and so insurance premiums generally reflect this increased likelihood. Black Box Insurance gives drivers the chance to lower the price of their annual insurance by reducing the reliance on age in the equation – meaning drivers are given a fairer policy with lower premiums.
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Driving tips to help lower your Car Insurance premium
Although the age of the driver statistically changes the likelihood of being involved in an accident, the RAC has a number of driving tips, which can help improve driving behaviour and help to lower insurance premiums when using Telematics technology.
Speed and braking
As well as driving within the speed limit, pulling away smoothly from traffic lights and slowing down gradually rather than stopping sharply are also signs of safe driving.
Cornering and bends
Cornering at the appropriate speed, rather than braking hard and taking a bend sharply, shows insurers you are driving safely.
Younger drivers are especially at risk when driving at night, particularly over the weekend. So it is recommended that younger drivers gradually build up their experience to increase their confidence and skills when driving in the evening.
Cheap cars for young drivers
Apart from the way you drive, the vehicle you choose can also affect the cost of your car insurance. To stay safe and reduce your insurance premiums, choose a smaller, less powerful car. For example rather than go for a fuel-hungry 2-litre vehicle, choose a 1.1 litre car that will perform much more economically and still get you where you need to be.
Alloy wheels, body kits and performance upgrades can not only make your vehicle more attractive to car thieves, but they can also increase your premiums because of their increased cost to repair. Keep your car as it was when it rolled out of the factory in order to keep your insurance premiums as low as they can be.
Find further information here on Black Box Car Insurance or speak to one of our RAC advisers on 0330 159 1042 to get a quote, or if you haven't yet passed your test then please see our Learner Driver Insurance