Three common technical setups
- A professionally or self-fitted device in the car.
- A small tag or windscreen device paired with a smartphone app.
- A smartphone-only app using the phone's sensors and location permissions.
What may be measured
Products differ, but published factors can include speed, acceleration, braking, cornering, journey time, mileage, phone use and whether the device is connected. The policy terms and privacy notice matter more than a generic description of black-box insurance.
Curfew and night-driving score are not the same
A curfew is a rule restricting driving during stated hours. A product can have no curfew while still recording journey time or treating frequent night driving as part of its score. The directory keeps those facts separate.
Questions worth answering before purchase
- What must be installed or activated, and by what deadline?
- Which phones and operating systems are supported?
- What happens if the device disconnects or the phone is left at home?
- Can a passenger's phone use be incorrectly attributed to the driver, and how is that corrected?
- Can poor scores change the premium, renewal offer or continuation of cover?
- Are mileage changes charged, and how does the provider calculate them?
- What happens to the device and data when the policy ends?
Editorial boundary
This guide provides general information. It does not assess a policy, car or person’s circumstances and is not insurance, legal or financial advice.