Help Category: My cover

Do I have to get a black box fitted to my car?

Yes. We’re a telematics insurance provider and if you wish to get a policy with us, you will need to get a black box fitted to your car.

The black box will help us calculate a personalised renewal premium for you, and it’s your chance to track your driving and earn rewards. The box also allows you to benefit from features like the Accident Alert and Theft Recovery.

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What are Reward Points?

Reward Points are rewards you can earn for driving safely. If you drive responsibly, you can earn up to 100 Reward Points each month. You’ll be able to exchange your Reward Points for Top Up Miles or retail vouchers. They also help us work out your renewal premium.

The safety factors we consider include speed, time of day, smooth driving, taking breaks on long journeys and the types of roads you drive on.

Reward Points are awarded at a monthly basis and will appear in Your Portal, with an individual score for each safety factor, 7 days after the policy month has ended.

Will I be penalised for bad driving?

We encourage and reward safe driving. Whilst we will not fine you, please be aware that dangerous driving could prevent you from getting a premium discount at renewal. Persistent or excessive speeding can also lead to cancellation of the policy – for further information, please refer to your Private Car Policy Document in Your Portal.

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What should I do if there is not enough money in my account to pay the direct debit this month?

We can suspend your agreement for a maximum of 7 days. As soon as we take the payment your instalment plan will continue as normal, so you need to be aware that you may need to make two payments in one calendar month. We will only suspend your agreement once. Any further problems with payment will lead to your policy being cancelled.

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Can I park my car somewhere other than the registered address overnight?

Yes, you can park your car at a different address to the one registered on the policy but the address registered on the policy must be where the car is normally kept overnight.

Remember that it is a condition of your policy that you confirm the address where your car is normally kept overnight. If we can show (using the data from your black box) that you are regularly parking somewhere else, we will contact you and the policy could be cancelled.

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Do I have to pay for the black box?

The cost of the black box and its fitting is included in your premium.

However, if your policy is cancelled and a black box has already been fitted to your car, or had been fitted to a car you previously insured with us, you will have to pay an administration fee of £80.

Insurance Premium Tax will be charged at the appropriate rate.

What if my car is modified?

No – we don’t provide cover for cars that have been modified (other than by the manufacturer or for a disability). Please contact us if you’re unsure whether a particular alteration to your car is classed as a modification.

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