Benefits

FAQs

Got a question?

See if we’ve answered it below, and if not, please don’t hesitate to contact us and let us know how we can help.

• What is a Telematics Smart Box?

  A Telematics Smart Box, also known as a black box, is a small device that collects data about your driving. They've been used in emergency and commercial vehicles for years. Check out our helpful video to find out more.

• Do I have to wait for the box to be fitted in order to drive my car?

  You don’t! As soon as your insurance has gone through, you can drive your car. Our box company will ring you to organise an appointment and fit the Telematics Smart Box within 7 days after purchasing the policy. Easy peasy.

• Can I modify my vehicle?

  Unfortunately, no vehicle modifications are accepted under majority of our policies. If you have any questions about what you think would or wouldn’t be a modification, please call us and we can help you.

• Will my premium go up or down throughout the year because I have a box?

  Unless you have made any active changes to your insurance, your policy will remain the same throughout the year. Drive safely and manage your driving score, and you could get extra discounts when you renew.

• Can I insure a Category C/D vehicle?

  You can! Insuring these category vehicles will have no effect on your initial premium. However, in an event of a claim should you be paid out for your vehicle, the insurer may value your vehicle as less than expected. You might also be requested to provide an up to date MOT certificate.

• What happens if I speed?

  Minor incidences of speeding will have a negative effect on your driving score. You may receive a warning. If you receive three high risk scores within a 30-day rolling period, you will receive a £100 penalty. A further high risk score within 30-days of the penalty will mean we start the cancellation process. If you are recorded driving at 50% over the speed limit of the road you are travelling on, this also could result in the cancellation process starting. Please refer to your terms and conditions for more information.

• Will my policy automatically renew?

  No. When your insurance is due for renewal, you will receive an email from the renewal team with the price of the next year’s premium along with reminders. We do not automatically renew policies, so if you would like to ahead you will just need to contact our customer service team.