A black box is a device that is fitted to your car in order to monitor your driving habits. This data is then used by insurers to help assess your risk profile and calculate your premiums. Black box insurance can be beneficial for young or new drivers as it can help show insurers that you are a safe and responsible driver. This could lead to lower premiums over time. However, there are some downsides to black box insurance. For example, if you drive erratically or rack up a lot of miles, you could see your premiums increase. There is also the potential for insurers to limit where and when you can drive if they feel you are at high risk of having an accident. Telematics cover works in a similar way to black box insurance, but without the restrictions. This means you can still get affordable cover, even if you are deemed to be a high-risk driver. Inexperienced drivers often face high insurance premiums and restricted choice when it comes to buying their first car. However, there are a few things you can do to help keep costs down. Choosing a small and affordable car is always going to be your best bet for low insurance costs. And, if you opt for telematics or black box cover, you could show insurers that you are a safe driver and therefore get more affordable premiums over time. Whatever car you want to buy, make sure there are no hidden surprises. Get a history check with us and discover all the information available about your car - from outstanding finance to MOT status.