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Black box insurance

Great savings and annual discounts for safe driving!

Save over a third – with annual discounts for safe driving!*

› Retrieve your telematics quote

* SmartMiles customers in 2014 achieved an average saving of 39% compared to our standard Hastings Direct car insurance price.

Hastings Direct SmartMiles offers excellent savings for young and new drivers who are safe behind the wheel.

Recently passed your test? If so, we've got some good news: if you can prove you're a safe and responsible driver, you could make huge savings on your car insurance by taking out black box insurance (also called telematics insurance), like our Hastings Direct SmartMiles policy.

Here's some information to help you get to grips with telematics car insurance:

What is telematics car insurance?

Telematics (or black box) insurance is different to other types of insurance because your premium's calculated on your personal driving style. It basically means insurers focus on your specific driving when working out the cost of your cover, rather than basing the price on generalisations made about your age or driving experience.

As you probably know if you've just passed your test, insurance can be pretty steep for young or new drivers, and that's because they're more likely to be involved in an accident and claim on their policy. According to road safety charity Brake's website, drivers aged 17-19 account for just 1.5% of UK licence holders, but are involved in 9% of all fatal and serious accidents when they're behind the wheel.

You automatically get considered 'high risk' if you're young, but a SmartMiles policy from Hastings Direct gives you a chance to prove you're a great driver and cut insurance costs upon renewal.

What is a telematics system?

A telematics system takes the form of a small, black box that's fitted onto your car, usually under the bonnet or dashboard (though this will depend on the actual device and your car's model). Don't worry, you don't have to do this – take out a SmartMiles policy and we'll arrange for your box to be installed by one of our professional engineers. Or, we can send you an easy to install box you can fit yourself.

The telematics system is similar to the GPS on your smartphone or Sat Nav, in that it uses satellite technology and telemetry to gather data. One added benefit of this technology is if your car's stolen, having a black box will make it easier to track down and recover.

What does a telematics box record?

A black box will capture lots of information about your driving style, such as:

  • Your speed
  • How often you drive
  • The types of road you drive on
  • How you accelerate and brake
  • The times of day you drive

How does telematics insurance work?

Take out a SmartMiles policy and the data captured by your telematics device will be transmitted back to the Hastings Direct team. This information will give us a great picture of the kind of driver you are – we'll compare against national data on safe driving measures and set your premium based on this.

The benefits of a SmartMiles policy

As well as trying to help young and new drivers keep insurance costs low, providing they're safe on the road, our SmartMiles policy comes with an app you can download onto your phone or tablet. This app allows you to monitor your driving rating and driver scores over time on your personalised dashboard.

Through the SmartMiles app, you can map out journeys and call for assistance, and access loads of handy hints and tips to help you get the best deal on your policy.

We offer up to 10% discount for student drivers, and you'll earn discounts for your renewal based on your driving behaviour on top of any no claims discount.

To be eligible, you must:

  • Be 17 or over
  • Drive less than 15,000 miles a year
  • Mainly drive between 5am and 10pm

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