Do black box policies really save you money?

Black box insurance — also known as telematics — has become a popular choice, especially for younger drivers. But do black box policies really save you money, or is it just another way for insurers to monitor your every move?

Black box policies

How black box insurance works

A black box is a small device fitted to your car or a mobile app that tracks how you drive. It records data such as speed, acceleration, braking, time of day you drive, and even how sharp your turns are. Insurers then use this information to assess your risk and adjust your premiums accordingly.

The idea is simple: drive safely, and you’ll pay less. But the reality isn’t always so straightforward.

Not all black box policies are created equal

Some black box providers are overly strict, penalising drivers for things like driving at night or going slightly over the speed limit — even in low-risk situations. Others require long-term contracts, have curfews, or increase prices for minor slip-ups.

So, while black box policies can save you money, the experience depends on which insurer you choose and how they interpret your driving data.

A smarter take on black box insurance

Rooster offers a fresh alternative. Instead of tracking your driving 24/7, we run a free 3-week test drive using just your phone. Our AI analyses how you drive over that short period to build a safe-driving profile. If you’re a good driver, you’ll get a personalised quote — and potentially save up to 40%.

There are no curfews, no ongoing tracking, and no unexpected penalties. Just a fair quote based on your real-world driving.

So, do black box policies really save you money? Yes — but only if they’re done right. And with Rooster, they are.

About Rooster

Rooster is an app-based car insurance provider that uses real driving behaviour to build fairer quotes. We also offer fully comprehensive cover, breakdown cover from just £2.99/month, and up to 50% off MOTs, services, and repairs. Download the Rooster app now and take the free test drive to see how much you could save.