Black box insurance
Want to pay less for your car insurance? Whether you’re a new driver or just looking to reduce costs, we can help. With RAC Black Box Insurance, you can prove you’re a safe driver and reduce the cost of your car insurance at renewal. Plus, every black box policy comes with free RAC Breakdown and Legal cover, if selected†.
How does black box insurance work?
We’ll send you a telematics box in the post along with instructions on how to fit it. You’ll need to install it in your car within 14 days of your policy start date.
Black box insurance for young drivers
If you’re a young driver, black box or telematics car insurance is a great way to reduce how much you pay over time. If you drive well in the first year, you’ll get a lower black box insurance quote the next year. Find out more about insurance for new and young drivers.
~Whilst we don’t enforce any curfews on our policies, driving between the hours of 7pm and 6am will have an impact on your Driver Score and any future discount you may receive at renewal.
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How does the RAC Black Box fitting process work?
Q. What is black box car insurance?
If you’re a new or young driver, traditional insurers consider you a ‘higher risk’ as you have less experience behind the wheel. But black box insurance uses telematics technology to monitor your driving. This builds up a ‘Driver Score’ based on how safely you drive.
If you get a good Driver Score, then next year you’ll be more likely to get a lower quote for your insurance. It’s not just for new drivers, either. Even experienced drivers are finding that black box insurance can help them lower their insurance costs.
Q. Should I get a black box?
Anyone can benefit from black box car insurance. It’s popular with new and young drivers, who have less experience behind the wheel which means they often pay higher insurance prices. But it can also help more experienced drivers to reduce their insurance costs.
Anyone who has a full or provisional UK driving licence can get black box car insurance. If you’re still learning to drive, you may want to consider specialist learner driver car insurance.
Q. How can I save money with black box insurance?
By driving safely over the first year of your cover, you can earn a higher driver score. This could help you pay less for your insurance when you renew.
Your driver score is based on how well you keep to the speed limit, how severely you speed up and slow down, and some other factors – you can find out more about how it works here.
Driving more safely and efficiently can also save you money on fuel, tyres and vehicle maintenance.
And, if you don’t make a claim within the year, you’ll build up a no claims discount, which will also reduce your premium.
Q. What does telematics mean on car insurance?
Telematics insurance monitors the way you drive through a black box installed in your car. It tracks things like your speed, acceleration and braking to calculate how safe a driver you are. And your insurance premium is based on this.
Q. Can I earn no claims discount with black box car insurance?
Yes. As with other car insurance, you can earn a year’s no claims discount (NCD) by completing the full 12 months of insurance without making a claim. We’ll apply your NCD to your quote at renewal.
Q. I'm worried that I might not be able to continue to make my payments – can you help?
Yes, we’re here to help.
If you think you may be unable to maintain your regular policy payments, please contact us via live chat as soon as possible to discuss. Our opening hours are Monday-Friday 9am-6pm, Saturday 9am-4pm, Bank Holidays 10am–2pm and Sundays – closed.
We have specialists on hand who can discuss your individual circumstances and agree how we can help with your financial situation. There are several ways we may be able to help including; moving your payment dates, agreeing partial payments or payment holidays in the short term and removing any fees applied to your policy.
Don’t wait until you miss a payment as we can help you in advance. We ask that you don’t cancel your payments or direct debits as this can result in your policy being cancelled and we don’t want you to be left uninsured, please get in touch with us in the first instance.
Q. What if my battery goes flat and my black box thinks it’s been disconnected?
Q. Is it worth getting black box insurance?
Black box insurance is a good idea if you’re a safe driver and looking to pay less for your insurance over time. By driving safely in your first year, you can get a better price for your insurance next year.
Q. Can someone else drive my car with a black box?
If they’re insured to drive your car, then yes. But remember – the black box won’t be able to tell who’s driving, so their driving will affect your Driver Score.
Q. Does a black box record everything?
A black box records the distance your car travels, its speed, acceleration and breaking, and the time of day or night you drive.
Q. What happens if you speed with a black box?
You may get a warning or a penalty charge. Your Driver Score will be seriously impacted – which may mean you have to pay more for your insurance next year.
Q. What happens to my black box after my insurance ends?
At the end of a black box policy, your insurer will deactivate your box and may ask you to return it. With RAC Black Box Insurance, you can remove the box if you fitted it yourself, or we’ll send someone to remove it for you.
Q. Does the black box restrict where and when I can drive?
No. With the RAC, you can choose your own mileage limit when you get a quote. Just make sure you provide a realistic annual mileage. If you go over your limit, your premium could increase, or we could cancel your policy.
There are no curfews either, so you can drive wherever and whenever you want.
Q. What if my car already has a black box or I change my car?
Even if you already have a black box from another provider, you'll still need to install an RAC Black Box in your car when you take out a policy with us.
If you decide to change your car while you're insured with us, your RAC Black Box (self-fit) will need to be transferred across to your new car within 14 days of the change.
If your box was professionally fitted by our team when you took out your policy, we can move the box to the new car for you. You just need to get in touch to arrange an appointment. There may be a small charge.
Q. What data does a black box collect about me?
The black box collects this information: your speed, acceleration, braking and how you drive around corners or bends. Don’t forget, the black box tracks the driving behaviour of everyone driving the car, not just you.
Q. What happens with the data that a black box collects?
We use the data from your black box to assess your driving style and alert you if we think you need to drive more safely and responsibly. Going forward, we can then price your premium based on how safely you’ve driven during the year.
As the policyholder, you can access your journey data and Driver Score online. As your insurance provider, we can also access this data for administration purposes. Your driving data isn’t shared with anyone else (for example, parents or guardians).
Q. What if I need to unplug my black box?
It’s fine for a mechanic to unplug the black box as part of a service or check-up. Just make sure you ask them to plug it back in. It’s best to let the garage know you have a black box when you get there.
Likewise, if you’re carrying out checks yourself, don’t forget to plug the black box back in before you start driving again.
If your black box isn’t plugged back in, we’ll get in touch to ask you to reconnect it. If you don’t, your policy may be cancelled.
Q. How do I fit my RAC Black Box?
Once you’ve bought your RAC Black Box Insurance, we’ll send you a telematics box in the post along with instructions on how to fit it. You’ll need to install the box within 14 days of your cover starting or we will need to cancel your policy. Read our box fitting FAQs to find out more.
Q. When do I need to have the RAC Black Box fitted?
You’ll need to fit your RAC Black Box within 14 days of your policy start date. Devices are shipped within 3 working days of your policy start date, using Royal Mail 48hr delivery. If your policy is due to start before your box has arrived, you’re still insured to drive as long as you fit the box as soon as it arrives. It should only take a few minutes to plug in.
Q. How do I install my RAC Black Box device?
We issue two types of self-fit devices, dependent on your car make and model.
OBD-ll devices are plugged into your cars 'On Board Diagnostic' Port. 12 volt devices can be plugged directly into your cars 12V/DC port. Read more about the box types and how to fit them.
Once installed, your device must remain in your car for the duration of your policy.
Q. Can I amend my policy online?
Yes. If you purchased your insurance with us after 30/03/2021 you can log in to your online account any time to make these changes to your policy:
Change of vehicle (this may require a new box to be fitted)
Change of use
Change to personal details such as name, date of birth, occupation or contact details
Change to drivers on the policy
Accept your renewal
Upload and download documents
Just so you’re aware, here are our fees and charges for amendments:
Change made online yourself: £15.00
Change made via the call centre: £35.00
For existing customers who purchased their insurance prior to the 30/03/2021, please contact the customer service team to discuss our fees and charges and make a change.
Q. Can I drive at night?
Yes. There are no night-time curfews and we won’t charge you extra for driving at night.
Just so you know, driving between 7pm and 6am on a regular basis will have an effect on your Driver Score. This is because the chances of having an accident increase during these hours. So it could reduce any discount you may be offered when you renew your policy.
Q. Am I insured to drive my car before the box is fitted?
Yes. If your policy is due to start before your box has arrived, you’re still insured to drive it temporarily. Just make sure you fit the box within 14 days of this date. Otherwise, your policy will be cancelled, and you’ll have to pay a cancellation fee. It should only take a few minutes to plug it in.
Q. Does black box car insurance work with any car?
Yes. We have two types of RAC Black Box - an OBD device and a 12 volt device. We will decide which device to send you based on your car’s make and model. You can read more about the box types and how to fit them here.
Q. I don’t have my car anymore – what should I do?
Let us know by calling our customer service team. Lines are open Monday to Friday 9am-6pm; Saturday 9am to 4pm.
If you have a new car, you can update your policy with your new car details via your online account. Online policy management is only available for customers who purchased their policy on or after 30/03/2021. Alternatively, if you no longer have a vehicle, you can cancel your insurance by speaking to a member of our team.
If you’ve declared your vehicle as off-road (with a SORN), or it’s been stolen or written-off, you also need to let us know.
Q. What if someone else drives my car, but they’re covered by their own insurance?
We calculate your Driver Score based on all car journeys, no matter who’s driving. If someone else is driving your car, you need to let them know that their driving is being monitored as it will impact your insurance.
Q. How do I renew my black box insurance policy?
Your renewal invitation quote is generated around 25 days before the renewal date. Your renewal quote will be loaded into your online account where you can view and accept your renewal. If you chose to receive your documents by post, it may take up to 7 working days to reach you. Once you've received your renewal pack, check all the details are still correct. If you would like to make any changes, or to discuss your renewal with a member of the team, contact us via live chat.
Q. Is there a RAC Black Box app?
Yes. If you have RAC Black Box Car Insurance, you need to download the RAC Black Box app to monitor your driving behaviour as soon as your policy starts.
It’s a quick and easy way to check your Driver Score, as well as your car’s health and journey details. Find out how to download the driver app.
Q. How do you calculate my Driver Score?
You’ll receive a Driver Score on a scale of 1 to 100. The higher your score, the safer your driving.
Your Driver Score is based on 5 elements:
Night driving (7pm-6am)
Urban driving (35mph zones or below)
Each of the above is weighted and then scored in line with the amount of driving you do within a 7-day period, or when you’ve driven 200 miles.
Q. Will other drivers of my car affect my Score?
Yes. The Driver Score is calculated on the journeys your car makes regardless of who is driving. You will need to let any additional driver know that their driving behaviour will also be monitored and will contribute to your overall Score.
Q. Why is my driver data missing from the app?
There could be a number of reasons for this. For example:
Your black box has been unplugged by you or a mechanic and hasn’t been reconnected.
Your car’s in a signal black spot, such as an enclosed garage or underground car park. If this is the case, don’t worry – your black box will send the data once it regains signal.
There’s a delay in data showing in the app.
If you can’t see your journey in the app after an hour or so, it’s worth double checking that your black box is still connected. If it is, please contact the team to discuss. Lines are open Monday to Friday 9am-6pm; Saturday 9am-4pm, Bank Holidays 10am–2pm and Sundays – closed.
Q. Why has my Driver Score changed when I haven’t driven my vehicle recently?
Your Driver Score is a rolling 7-day score. It can change even when your vehicle isn’t being used. This happens as time passes and journeys are no longer included in the driver score calculation.
This will still apply even if the vehicle has not been driven as the score is calculated against the distance travelled.
Q. The road speed limit is incorrect – can this be changed?
We use UK and European mapping databases to make sure we have the most up to date and accurate platform. We update the database at least every 6 months. Sometimes, road limits can change before our database is updated. If the speed limit you’re reporting has changed, we can amend that limit for future use.
Q. Will you tell the police if I speed?
If you drive over the speed limit, we don’t automatically share telematics data with the police. If we receive a request for the data from the police, or other authorities, we may disclose information collected by the RAC Black Box if it is lawful to do so.
Q. What happens if my car is stolen?
If your car is stolen, you should always report this to the police. If we can, we’ll provide you with the last known location of your RAC Black Box.