"Black box insurance is the OG version of behaviour-based car cover. It involves fitting a small device into your vehicle-usually behind the dashboard-that records how you drive. That means speed, braking, cornering, and all the other things your driving instructor used to raise an eyebrow at. It's mainly aimed at new drivers or those with limited experience. Insurers use the data to decide whether you're safe enough to keep your premium low-or if it's time to bump things up."
"Telematics does the same job-but smarter. It tracks your driving through your phone, not a box bolted under the bonnet. It still looks at your speed, braking, and cornering, but it knows it's you behind the wheel (or not). Telematics insurance uses smartphone sensors and GPS to measure real driving behaviour. With app-based telematics, there's no need for garage visits, hardwiring or post-it notes saying "don't speed". It's plug-and-play, with your driving score updating in real-time."
Black box insurance fits a small device into a vehicle, usually behind the dashboard, to record speed, braking, cornering, and other driving actions. The system targets new or inexperienced drivers and lets insurers adjust premiums based on recorded behaviour, but the device is tied to the car so other drivers can affect the score. Telematics uses smartphone sensors and GPS to track individual driving behaviour, update driving scores in real time, and deliver coaching and feedback. App-based telematics avoids garage fitting, distinguishes the actual driver, and enables pricing that reflects personal driving rather than age, postcode, or past record, potentially lowering costs.
Read at Business Matters
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