Does black box insurance penalise you for driving at night?
I have a black box and have a score of 55 for night driving, the driving I have done between the hours of 2200 hrs and 0500 hrs (which are the time they ask not to drive between) are negligible. I have checked my account log and have only driven five times between these hours and the longest journey was two hours when setting off early for our holiday to Germany. I feel that the score is very harsh especially after I've had the box fitted for six months. Are they more severe with the night driving side of things?
Asked on 11 February 2019 by Stephen Gregory
Answered by
Honest John
Yes, they see you as being a higher risk driving at that time. Which is a bit daft, as how do you get experience if you do not. This issue with telematics is the lack of transparency in knowing how the insurers rating system is working. Ring the insurer up, and raise a complaint, asking them to clarify how the system is grading you and how does it penalise you as a result.
We give you the low down on how to save on insurance, little-known tricks and tips, what insurance groups mean and how to use insurance aggregators to beat insurers.
Insurance group finder and how to save on insuranceSimilar questions
What is black box insurance? Do I buy my own ‘black box’ or does the insurance company supply it?
My 17 year old son has had a telematics box fitted for the full duration of his two months of driving since he passed his test. His driving has been improving generally with a general reduction of 30-40%...
I recently passed my driving test and am looking to buy my first car. Unlike most new drivers, I am in my 40s and the car I want is a family saloon. How do I find the best value insurance in my situation?...
.jpg)
