Find out how our young driver insurance works.

We'll install a black box on your car that monitors your driving style, and you’ll get rewarded for driving safely.
person driving car with telematics signals

We'll fit a black box to your car

After you've bought a policy, a black box will need to be fitted to your car within 14 days of the start date of your policy or it will be cancelled.  Your box builds your score and rewards so it is important to get it fitted as soon as possible to start earning. It will only take around an hour for the box to be fitted and you won’t need to do anything, just be there at the time you arranged. Remember, if it's not your car, you'll need to get the owner's permission for us to fit the box.

two people sat in a car

How does the black box work?

The black box will be fitted out of sight in your car. It will record information such as your speed, how smoothly you brake, time of day you drive, how often you use your car and how long you drive without taking a break. Your score unlocks rewards and discounts depending on how you drive and is used to calculate your renewal discount when your policy comes to an end. It is easy to keep track of your score using your app and online dashboard.

Find out more about how the black box measures your driving style.

two hands on steering wheel

No fines or premium increases

We won't fine you or increase your premium in the first year of your policy based on your Driving Style Score. However, if the black box identifies examples of poor driving, such as excessive speeding, on multiple occasions or an unacceptable driving event, your policy may be cancelled.

person driving car with telematics signals

No curfews or mileage limits

You’ll be able to drive when you want without risk of a fine but remember to think carefully about the journeys you make. A good Usage Score decreases your potential chance of being in an accident and to get a good score, you need to consider the time of day you drive, length of journey and number of journeys made within a 24 hour period.

We’ll track the number of miles you drive using your SM>RT WHEELS box, so consider how far you’ll be travelling over the year because top up miles cost extra. If you find that you do need to buy more miles, the better your driving style score, the cheaper they will be.

The higher your driving style score, the more you’ll be rewarded.

Your score is here to help you keep track of your driving. If you get a great score, you’ll unlock rewards. You can earn up to 10% of your first year's premium, put directly onto a prepaid debit card for you to spend as you wish.
person driving past a speed camera

How to get a good driving style score

 

All you have to do is stick to the speed limit, brake smoothly and think carefully about when, and how often, you use your car. Drivers who check their dashboards regularly tend to get better scores, which means bigger rewards such as up to 10% money back through your SM>RT WHEELS Card and renewal discounts of up to 33%.

 

Need to check your policy details?

You can download the policy wording and summary documents below:

Frequently asked questions

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