What Kind Of Data Will The Black Box Record?
A Black Box records several different pieces of data to create your driving score.
When recording your driving, the black box, which will be fitted discreetly behind your dashboard, will record several types of different data, all of which will determine your driving score. These include:
The time of day you drive – This is because at certain times of the day it’s statistically safer to drive, and at some other parts of the day it can be a lot more dangerous to drive. Such as night time motorway journey. At some points of the day the roads can be a lot busier than normal, such as rush hour, which means there is an increased chance of an accident occurring. However, we will not impose any curfews.
Amount of journeys - The amount of journeys you do can correlate with the risk of you being involved in accident. For example if you take lots of short trips, perhaps to the local shop or to college, you are more at risk of being involved in an accident.
Total amount of driving you do – This looks at the length of the journeys you drive, as statically fewer but longer journeys are less risky than short but frequent journeys, which is covered in the section above.
Roads driven – The black box will be able to tell what type of road you are driving on, and will therefore be able to determine what the speed limit is on that road.
Driving Speed – One of the things you will be judged on will be the speed at which you are travelling. Sticking to the speed limit is a sign of a good driver, and is something that will help you obtain a good driver discount at renewal time. Failure to stick to the speed limit will see your driving score go down, and you may receive correspondence and phone calls from our Young Driver team to warn you of your excessive speeding. Extreme speeding can lead to the cancelation of your policy too.
Braking performance – One sign of a good driver is how much time they leave to brake before approaching a junction, but that’s not the only thing your black box can tell us about how you brake. Harsh and sudden braking is an indication of not only poor driving, but also dangerous driving and will negatively affect your driving score.
How you handle corners – Another sign of a good, and responsible driver is how you handle corners. If you are a responsible driver you will take corners at the correct speed. Judging the correct distance needed to make sure you don’t come into contact with the kerb or any other object placed at the side of the road is also important too, as this could be counted as a collision by your telematics box.
Rest periods on long journeys – One of the first things you probably think about doing once you’ve passed your test, is grabbing your friends for a road trip, or driving to a festival. More often than not these will be long journeys, and whatever your reason is for undertaking a long journey in your car, you will be judged by how many rest periods you take , as well as how long your rest periods are for. For example, a ten minute break on a six hour journey is not going to be sufficient, and is not the sign of a responsible driver. According to the AA, tiredness is the cause of one in five accidents on major roads. The AA recommends that you don’t drive more than eight hours in a day, and you should take regular breaks of over 15 minutes in journeys that take over three hours.
Miles driven – With a Think Insurance Young Driver insurance policy you only pay for the miles you need, therefore the black box will monitor how many miles you have driven since it was installed. Once you start to come close to your mileage limit we will contact you to let you know, and we will give you the option to increase the mileage on your policy (however this will incur a fee). Alternatively you can keep on an eye on your mileage through the Young Driver portal, which can be accessed at the top of this page by clicking the green ‘Login’ box, managing how much you drive to ensure you don’t exceed your allowance.
Vehicle location – You probably know already that where you live and where your car is kept when not in use has an impact on the insurance premium. Therefore if you frequently park and leave your car in an area with a high crime rate (especially for car related crime), that won’t help your driving score.
While some of the things that the black box monitors might not be avoidable i.e. vehicle location, the way you drive most certainly is and therefore that’s the part of your driving score you can have the most control over.
For more information on what the Black Box monitors, call our Young Driver insurance specialists on 0800 221 8077.