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Only Young Drivers and Only Smart Drivers is presenting a telematics insurance policy which offers competitive premiums to young drivers. The black box which is professionally installed in your car monitors your driving and gives you a driving score based on your performance.

If you are a young driver then insurance premiums can be more expensive, as young drivers are classed as a higher risk of driver due to their inexperience and greater risk of accidents. However at Only Young Drivers and Only Smart Drivers we realise that not all young drivers drive the same, and there are a lot who drive safely and carefully.

Our black box telematics product has been designed for those drivers in mind. With this piece of technology professionally fitted to your car we are able to offer competitive premiums, and if you drive safely you can get money back! If you are a safe driver it’s a win win.

With our telematics insurance policy, if you are 24 years old or younger at the time of purchasing the insurance policy then you will have a black box professionally fitted to your car and a dash cam to be fitted on the dashboard of your car. If you are 25 years old or older then you will just have the black box fitted to your car.

Your driving score is used to reward you with money back from your insurance premium if you are deemed to be driving safely, or if you are driving poorly you may be charged an additional premium.

The driving score takes into account the following factors:

  • Your speed throughout your journey
  • Your braking frequency and force
  • How smoothly you corner in your car
  • How smoothly you change lanes in your car
  • How smoothly you accelerate in your car
  • How often you drive between the hours of 11pm and 5am*

*Please note that if more than 20% of your journeys are between the hours of 11pm and 5am this policy may not be suitable for you.

You can view your driving score in your telematics portal found here in order to track your progression as a driver.

The telematics product uses GPS in order to record where your car is parked overnight, therefore when you buy your insurance policy it is extremely important to advise correctly where your car will be parked overnight the majority of the time otherwise there might be an additional premium to pay.

We also record how many miles you drive in your car, again it is crucial that you advise as best to your knowledge when setting up the policy what is the maximum amount of miles you will drive during the year.

For the full terms and conditions of the telematics policy please click here.