Top 10 Black Box Insurance Companies

This list is In No Particular Order. Black box insurance or telematics insurance works by tracking how you drive and adjusting your premiums based on your real-world driving habits. For young drivers, new drivers or anyone looking for a fairer price, it can be one of the best ways to keep costs down. Below is a conversational, easy-to-read overview of ten of the leading telematics providers in the UK, listed in no particular order. Each takes a slightly different approach to tracking, feedback and pricing, so the best choice really depends on what kind of driver you are.

1. Admiral – LittleBox

Admiral’s LittleBox is one of the longest-standing telematics products in the UK, and a familiar name to many new drivers. The insurer fits a small device that monitors things like when and how you drive. One thing that stands out is that late-night driving can negatively affect your score, which is worth keeping in mind if you often drive during early-morning or late-evening shifts. On the whole, though, Admiral’s size and experience mean you tend to get reliable tech, helpful feedback and a policy that’s easy to manage. Many younger drivers find it a reassuring option simply because the brand is so well known.

2. Zego – Sense

Zego takes a much more modern approach with its Sense telematics insurance product. Instead of installing a p

hysical black box, everything runs through the smartphone you already have which means no waiting around for installation, no wiring, and no worrying about a device in your car. The app monitors the smoothness of your acceleration, braking, cornering and speed consistency, and it uses that data to shape your renewal price. It’s designed for people who want something flexible, quick to set up and easy to understand. For younger or tech-savvy drivers, the “no hardware needed” aspect is a massive plus. Many also like the idea of building a personalised renewal quote by improving their driving habits over time.

3. Direct Line – DrivePlus

Direct Line’s DrivePlus policy gives drivers a choice between using the app or having a small device fitted, so it suits people who want either approach. The app tracks your journeys and gives you feedback about how smoothly you drive and how well you keep to safe speeds. One of the key ideas behind DrivePlus is that it compares your speed to other drivers on the road, not just the speed limit alone, which some people find a bit more realistic. Renewal discounts are based on your overall driving score, and the app lets you check your progress anytime. It’s a good fit for drivers who like a major brand and want flexibility in how the telematics is set up.

4. Hastings Direct – YouDrive

Hastings Direct’s YouDrive feels quite friendly and approachable, especially for younger drivers. Instead of relying on a bulky black box, it generally uses a small plug-in tag paired with your phone, which makes the setup relatively simple. One thing many drivers like is that Hastings doesn’t impose a curfew; you can drive whenever you need to without an automatic penalty. The app gives you clear journey feedback, highlighting smoother braking, speed awareness and cornering. Like most telematics policies, there’s the occasional grumble from users about mis-recorded trips, but overall it’s known for being a flexible, low-fuss option that suits people who want straightforward feedback without harsh restrictions.

5. Churchill – DriveSure

Churchill’s DriveSure product is aimed at drivers who want a bit of structure and support while improving their driving. You fit a small self-install device and you’re encouraged to adopt smoother habits over time. Churchill also offers a shorter, 10-month policy option, which some drivers like because it helps them build up a no-claims discount a little faster. It’s a practical choice for someone who doesn’t mind using a physical device and wants a mix of digital feedback and traditional insurance backing.

6. LV= – Flow Telematics

LV’s Flow telematics cover leans heavily into convenience. Everything is managed digitally, right down to how you view your driving score. Flow is designed with tech-comfortable drivers in mind — the kind of person who likes subscription-style insurance and simple app-based controls. The policy tracks general driving behaviour and adjusts pricing based on how consistently and safely you drive. It’s not the most hands-on or feedback-heavy product compared to some, but it’s very easy to live with. If you want telematics without feeling like it’s constantly “watching” you, Flow is a nice middle ground.

7. Tesco Bank – Box Insurance

Tesco Bank’s Box Insurance was one of the more recognisable telematics options for young drivers for many years. It used a standard black box to track driving and awarded “bonus miles” for safe behaviour. While Tesco is no longer offering new Box Insurance policies or renewals, many existing policyholders are still on the product until their terms end. For those who have it already, the tracking is straightforward, the feedback is clear, and Clubcard points were a unique perk. But because it's now closed to new customers, it’s not a long-term option for someone comparing telematics providers today.

8. Marmalade – Black Box Insurance

Marmalade has built a strong reputation with young drivers and learners. Their black box setup is designed to be lightweight and less intrusive, usually involving a small tag rather than a large device. They’re particularly popular with drivers under 20 and with parents who want a way to monitor and support their child’s early driving. Marmalade doesn’t impose curfews and tends to take a more encouraging approach rather than a punitive one. Their renewal pricing depends on your overall driving behaviour, but the feedback is presented in a friendly way. If you're a learner or a newly-qualified driver, Marmalade is often seen as one of the more supportive telematics brands.

9. RAC – Black Box Insurance

RAC’s telematics policy combines the brand’s well-known breakdown services with a device that tracks your driving habits. You typically fit a small unit yourself, and from there the app monitors things like braking, cornering, speed and overall smoothness. RAC positions its telematics as a way to reassure parents and give drivers extra control over renewal pricing. For drivers who already prefer RAC for breakdown cover, bundling telematics under the same umbrella can feel like a natural choice. As always with black box insurance, you do need to install the device promptly and drive consistently well to see the benefit at renewal.

10. Bell Insurance (Admiral Group)

Bell, part of the Admiral Group, has long catered to young drivers with a straightforward telematics option. The self-fit black box monitors your driving for the first part of the policy and uses the data to shape your renewal price. Compared to some of the bigger, more app-focused providers, Bell keeps things pretty simple you drive, the box records, and you get a score that reflects your driving behaviour. It’s a no-frills choice but often a cost-effective one for those just starting out.