Black Box Car Insurance

With FREE RAC connected breakdown cover if selected^

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Black Box Car Insurance

Helps young and new drivers save money by rewarding safe driving.

With all the benefits of our award-winning 5 Star Defaqto rated Car Insurance Plus, plus a year of FREE RAC Breakdown cover (if selected) our comprehensive RAC Black Box Car Insurance - also known as telematics - puts the driver in control. Our cover does not impose a curfew and you choose your own mileage limit when you buy, giving you the freedom to drive where you want, when you want. Once your black box is installed we build a picture of your driving style, so your renewal price takes into account the way you drive, and could help to lower your cost of motoring.  

You can monitor your driving and receive tips from us via our Driver App. You could start to benefit from an RAC Black Box Car Insurance policy in just a few simple steps, and you’ll be insured to drive your car straightaway. 

 

FREE connected RAC Breakdown
For 12 months, if selected^

No curfews and choose your own mileage limit
So drive where you want, when you want

No installation fees
We'll fit a black box to your car at the time and location of your choice

3 steps to safer, more affordable driving

  1. Get a quote online or on the phone
    It's easy - you just need to provide some basic details about you and your car. Don't forget to select your FREE connected Breakdown^
  2. Get a black box fitted within 14 days
    It normally takes less than an hour and our fitter will come to you. You can choose a morning or afternoon appointment.
  3. Enjoy the benefits of Black Box
    Monitor your Driver Score and journeys, and get tips via the Driver App or portal.

Did you know? In 2017, over 46 million miles were driven by RAC Black Box drivers

Why choose RAC Black Box Car Insurance?

As the motoring experts, we search a panel of carefully selected insurers to give you our most competitive price. And with 120 years’ experience of serving customers, you know you’re in safe hands when you buy with the RAC.

  • RAC Breakdown cover – Add FREE RAC Breakdown to your policy and benefit from our connected breakdown service^
  • Uninsured driver promise – You won’t lose your no claims bonus if your car's vandalised or hit by an uninsured driver
  • 5 Star rated cover – Our comprehensive cover is rated 5-star by independent financial research company Defaqto
  • Free Motor Legal Protection – Free for the first 12 months of your policy, if selected, giving you up to £100,000 cover

5 Star Black Box Car Insurance

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


FREE connected RAC Breakdown^ - your personal mechanic

Add RAC breakdown cover to your Black Box Car Insurance policy and we'll cover the cost for the first year. What’s more, you’ll benefit from our connected Breakdown service, new for 2018.

Connected breakdown is a fantastic new service from the RAC, which combines black box with our famous breakdown service. It’s like having your own personal mechanic with you when you drive – we can detect little faults with your car and give you an early warning of anything that could lead to a breakdown. Just select it when you get a quote or buy.

71% of our customers to date have rated our Connected service as "Pleased" (4/5) or "Very Pleased" (5/5)
 

Find out more about connected RAC Breakdown  

How do we calculate it? What do you do if you get a Red Alert? We explain all in our Driver Score guide...

  

Use it to track your RAC Black Box Driver Score and review your driving. Get tips on how to drive more efficiently...

  

How does it work? How can it save you money? It's all down to our powerful black box technology...

  

Everything you need to know about Black Box Car Insurance - also known as 'telematics'...

Watch our video guide - What is Black Box Car Insurance?

 

Also check out our Guide to Black Box Car Insurance.


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

  

What our members are saying

Affordable price for young drivers.

Mr J Clayworth

Service is top class, can't think of anything that would make it even easier.

Miss C Mackie

Found this easiest to purchase and fair price, don't think it could be any easier.

Miss J O'Brien

From start to finish, I found everything very professional and am very satisfied to have found such a first class Insruance company. Well done RAC.

Mr C Cooke

Was an extremely easy experience and I have already told a friend to try this out.

Mr J Byard

Frequently Asked Questions - you can also find more here

Q. What is Telematics Car Insurance and how does it work?
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.
Q. What are the benefits of RAC Black Box Insurance?
Check out the benefits of our Black Box Car Insurance below and get the right cover for your car today.

 

  • No curfews for young drivers - Drive where you want, when you want.
  • You choose your annual mileage - We don't charge you on a per mile basis, unlike some providers.
  • No installation fees – We’ll arrange to fit the black box at a time and location convenient to you. You just need to make sure the box is fitted within 14 days of the policy start date.
  • You could save more at renewal - The better you drive, the more competitive your renewal quote could be.
  • Lower your fuel bills – our useful driving tips could help you lower your fuel bill by becoming more fuel efficient.
  • Vehicle locator – If you can't remember where you parked your car, you can use our Black Box App to help you find it.
Q. How is RAC Black Box Insurance different from traditional car insurance?
RAC Black Box Car Insurance carries the same features and benefits as traditional RAC Car Insurance but it gives you the opportunity to reduce your insurance premium price at renewal based on your true driving behaviour, which you control.
Q. How much does black box insurance cost?
Car insurance is expensive for young and new drivers because they are more likely to have an accident than someone who has been driving for longer. Factors such as lack of road awareness, varying weather conditions and driving at night all mean inexperienced drivers are a greater risk on the road.

The benefit of black box insurance is that a person’s individual driving is monitored and their renewal premium calculated based on their own driving record, rather than them being treated the same as all other drivers.

If you can prove to your insurer that you’re a safer risk, then your premium can be reduced as a result. Like other types of car insurance, if you don’t make a claim within a year you will build up a year’s No Claims Discount (NCD). The more NCD you have, the more discount car insurers can offer you, and the cheaper your insurance is likely to be.

As with any other type of car insurance policy, other factors - such as the age of your car, engine size, where you leave it parked overnight, whether you have an immobiliser or other security device fitted - will be used to calculate your insurance premium.
Q. How do I get the box fitted?
Getting your Black Box fitted is easy, normally takes less than an hour and will be carried out at a time and location convenient for you. Visit our fitting the box page for more information.
Q. How do you monitor my driving and what's in the box?
Our telematics technology uses a matchbox size telematics device 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 so we can build 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 Portal, or if you have a mobile device you can download our free Black Box driver 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
Q. What do you do with my black box data?
When you take out an RAC Black Box Car Insurance policy, we fit a black box to your car. This enables us to record information about your journeys, how you drive, braking, acceleration, and so on. The data we capture is used to monitor and alert you if we think you need to better manage your driving. At renewal we can then price your premium according to how safely you’re driven over the year.

This data is not used as a ‘speed camera’, so we don’t actively pass information to the authorities, unless specifically required to do so by law. However, we will email you an alert if you drive over the speed limit if we feel your speed is excessive, and if you continue to do so we have the right to cancel your policy with notice. In the event of an accident or suspected fraud, we can use your black box information for investigative purposes.

Other than stated above, we do not share your black box data with anyone else, for example your parents. You can view your black box data, along with any alerts, on our RAC Black Box Portal, or via our app.
Q. How does it calculate my Driver Score?

We’ll calculate your Driver Score 7 days after your black box has been installed, providing you’ve driven at least 200 miles during this time. If you do not drive 200 miles in a 7 day period, your score will be calculated after a further 7 days and so on until you have covered 200 miles.

Your Driver Score is based on your speed, acceleration and braking, as well as when and where you drive, and will be updated every 7 days providing you have driven 200 miles since your last Driver Score calculation.

You can review your Driver Score and how to save money on your fuel bill online, by downloading our free Black Box driver app 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. The higher your score, the safer we perceive your driving to be.

Q. Am I insured to drive my car before the box is fitted?
Yes. You are insured to drive your car from the policy start date. You must get your box fitted within 14 days of this date or your policy will be cancelled and you will be charged a cancellation fee.
Q. What if someone else drives my car covered by their own insurance?
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 but this will have no impact on their own insurance.
Q. What is 'connected breakdown' and how does it work?

When you take out an RAC Black Box Car Insurance policy and add RAC Breakdown cover (or already hold an RAC Breakdown membership) you'll automatically benefit from our connected breakdown service.

Our black box technology will perform more than 15,000 real-time checks on your car, alerting you to potential faults that could lead to a breakdown or other issues later on.

If a fault is found, we'll tell you what the fault is, in language you can understand. We may recommend (via the RAC Black Box Driver app) that you monitor the issue or take your car to a garage to get it checked. If we think the issue could lead to a breakdown, we'll attempt to call you and advise what course of action to take.

Q. Does Black Box Car Insurance work with any car?

Yes, our Black Box can be fitted in any car to allow you to monitor your own driving. However, in a small number of cases the black box device may need to be installed in a slightly different way, depending on car year, make and model. 

Our Black Box plugs into the OBD (On-Board Diagnostic) port in your vehicle, which is normally located under the dashboard. If you have any other device currently plugged into this port, our Installation Team can either remove this device (you will keep it, of course) or install the black box in a different way. 

Some specific vehicles are not compatible with OBD plug in devices, on these rare occasions we can either make a software change to our black box or install the box with an alternative power source. There is no additional cost to have your black box fitted this way, and it can be done on the spot by our Installation Team.

If you have added ‘connected RAC Breakdown’ to your policy: The ‘connected’ part of our Breakdown service enables the black box to read fault codes from your vehicle and allows RAC then to diagnose any issues. Our Connected Team will contact you by phone or email should a serious issue be detected. To do this, the black box needs to be connected to your vehicle’s OBD (On-Board Diagnostic) port. 

Please note: If your vehicle is not compatible or our Installation Team install the black box device with an alternative power supply, we will not be able to provide you with vehicle fault information. However, all other elements of your policy, including using the Black Box App to monitor your driving, will still be available to you.

Q. What is an OBD port?

Our Black Box plugs into the OBD (On-Board Diagnostic) port in your vehicle, which is normally located under the dashboard. This connects to the vehicle computer and is used by professional technicians to diagnose problems or errors with the vehicle.
 

On board diagnostic image

 

Your vehicle’s computer runs a diagnostic check every time you turn on the ignition and produces specialist codes relating to any issues – these are known as DTCs (Diagnostic Trouble Codes), and require a special tool to read them. 

You may not know, but it’s common for DTCs to be detected by your car’s computer without any warning lights appearing on your dashboard. Our Black Box can enable us to catch these potential problems early, and prevent them becoming more costly or troublesome in the future.

The OBD port can be used by a variety of devices, such as;

Telematics or black box devices – these use the port to identify the vehicle and to power themselves, so that they can monitor the vehicle location and driving behaviours

Manufacturer data logging devices - these are designed to capture information about the vehicle systems/mechanics while the vehicle is in use. These are sometimes supplied by the vehicle manufacturer or dealer to assist with fixing issues and schedule servicing

Driver Information devices - these devices provide additional information to the driver in addition to what’s normally displayed on the dashboard, and may be used by vehicle enthusiasts to monitor specific areas of their vehicle

Q. What if I need to unplug my black box?

It’s fine for your local garage or 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 afterwards! The best thing to do is let them know you have a black box when you first take your vehicle to them.

The same applies if you are performing your own diagnostic: just remember to plug the black box back in afterwards before you start driving again.

If the black box is not plugged back in, our RAC Black Box team will call you to remind you to reconnect it. As you’d expect, the black box needs to remain connected to your vehicle when you’re driving in order to work, and is a condition of your insurance policy. Without it, your policy may be cancelled.

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. Connected breakdown comes as standard on UK Roadside and all other levels of breakdown cover.
  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. The offer cannot be transferred to any other policy and there is no cash equivalent available.
  7. We reserve the right to amend or withdraw this offer at any time.
  8. RAC Breakdown and connected breakdown services are provided by RAC Motoring Services, registered No 01424399. Standard terms and conditions for the breakdown cover will apply and can be found here. Terms & Conditions for RAC Black Box and connected services can be found here.

This offer applies to new RAC car insurance customers for the first year only, unless you are an RAC member then this offer is also available at renewal of your existing RAC car insurance policy. Motor Legal Protection is attached to the car insurance policy and will end if and when the car insurance policy ends. The offer cannot be transferred to any other policy and there is no cash equivalent available. We reserve the right to amend or withdraw this offer at any time.

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.

 

© 2018 RAC Motoring Services. All rights reserved.