It sounds rather ominous doesn’t it? Yet black box car insurance could
actually save you a significant sum.
Black box insurance is also sometimes referred to as telematics car insurance.
The idea is that an insurer will fit a box to your car that provides them with
all kinds of information about the way you drive. For example it will tell them
what times of the day you drive, how fast you drive and so on. It can even tell
how well you take corners. This might all sound rather invasive but actually it
is a great idea, both for you and the insurer. The information can then be used
to determine whether you are a safe driver or not.
If the answer is yes it will result in cheaper car insurance for you – good
news if you are young or new to driving and you want the cheapest policy. It
also means you will have pay as you go cover rather than being assessed for your
potential risk and having to pay that amount over the next 12 months.
In short, if you want to get cheaper insurance and you believe you are a good
driver (even if you’ve just passed your test) the black box gives you an
opportunity to prove this to the insurer. In a sense you are rewarded for your
good driving skills by getting a lower insurance premium. In some cases it could
make all the difference between whether or not you get on the road in the first
The black box has been created as a way to ensure young drivers have the
opportunity to get insured at cheaper premiums. If a driver does not drive well,
speeds along the roads and takes other actions that could be dangerous, they
will be charged more for their insurance as they pose a greater risk.
How does Q4 Insure work?
We collect your details once and then connect directly to the systems of our partners and display to you the cheapest prices from each.
You only have to enter your details once to receive lots of quotes, ordinarily you would have to give your details to every insurance site you would like to get quotes from. Naturally, there is a limit to how many times you are prepared to do this, which could often result in you giving up and accepting a dearer quote than you could have otherwise obtained.
No, whether you call them up to discuss or visit their website, we give you a provider specific quote number, which will access all of your details on the provider's systems.
On your quote results page simply click "How to buy" next to the policy you are interested in. At this point you will be able to click-through directly to the providers website and will also be provided with your unique provider quote number and telephone number if you prefer.
Yes, we have a link to the DVLA database, so if you know the registration number of the vehicle we save you time by completing the vehicle details for you. But, this isn't a necessity.
Yes, we will e-mail your results to you and store them securely. You will be able to access these results at a later date and get more quotes without having to enter your details over again.