Reply To: Telematics insurance
Vanshika Gupta
Telematics car insurance is when your insurance provider monitors your driving habits and adjusts your car insurance premiums based on how you drive. They’ll monitor your driving through a black box installed in your car, a plug-and-drive device or a mobile phone app.
Your provider will be able to track things like your driving speed, how you brake and how you handle corners. The more responsibly you drive, the lower your premiums are likely to be in the future. You’ll also be able to see your own driver score, either on the insurer’s website or smartphone app.
Telematics insurance policies offer certain benefits you won’t get with other types of cover, such as:
Improved driving skill
Telematics insurance can help anyone get better at driving – young or old – by providing feedback on where you can improve while taking corners or braking
Reassurance for parents
If your child is learning to drive or has recently passed their test, telematics is a good way to find cheaper insurance, and shows you whether they’re driving sensibly
Help for convicted drivers
Older drivers with a history of convictions can also take advantage of telematics, as it can lower the cost of cover made more expensive by past infraction