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Telematics or "black box" technology is defined as an integration of "telecommunications" and "informatics". It's basically a technology that's been developed to send, receive and store data via telecommunication devices. It's largely used in Global Positioning System (GPS) technology (for example, Sat Navs) integrated with computers and mobile communication platforms. As a result of this technology telematics car insurance (or "black box insurance") has evolved to help bring down the cost of cover for young drivers.
Although telematics may sound like a complicated subject to get your head round it's really very easy.
iKube utilises a telematics or "black box" device (as we tend to refer to it) that is installed in the young or learner driver's car. Here is the process in a nut-shell:
If you do drive during the red hours you incur a nightly charge – for every night you drive during the red hours.
When it comes around to renewing your telematics car insurance policy with us we will take the data collected into account.
Over the course of your existing car insurance policy we measure a number of other factors as well, including:
By monitoring this data we can get a good idea on how you have driven over the course of the year. If the data suggests that you are a good, careful driver then you could be rewarded with a renewal premium to match (in some cases we can reward discounts up to 40%).
Find out more about black box insurance and how it could benefit you.
iKube Insurance is a trading name of Towergate Underwriting Group Limited. Towergate Underwriting Group Limited is authorised and regulated by the Financial Conduct Authority.
Registered in England No: 4043759. Registered office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent, ME14 3EN.