Black Box Car Insurance

With FREE RAC connected breakdown cover if selected^

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Black Box Car Insurance

Helps young and new drivers save money by rewarding safe driving

With all the benefits of our award-winning Car Insurance Plus, plus a year of FREE RAC Breakdown cover (if selected) our comprehensive RAC Black Box Car Insurance - also known as telematics - puts the driver in control. Our cover does not impose a curfew and you choose your own mileage limit when you buy, giving you the freedom to drive where you want, when you want. Once your black box is installed we build a picture of your driving style, so your renewal price takes into account the way you drive, and could help to lower your cost of motoring.*  

Existing customers can monitor their Driving Score and receive tips from us via our Driver App, and our FAQs should answer any questions you may have. You could start to benefit from an RAC Black Box Car Insurance policy in just a few simple steps, and you’ll be insured to drive your car straightaway.


9 out of 10 customers would recommend us1
to their friends and family

No curfews and choose your own mileage limit
So drive where you want, when you want

No installation fees
We'll fit a black box to your car at the time and location of your choice

3 steps to safer, more affordable driving

  1. Get a quote online or call 0330 159 10402
    It's easy - just provide some basic details about you and your car. Don't forget to select your FREE connected Breakdown^
  2. Get a black box fitted within 14 days
    It normally takes less than an hour and our fitter will come to you. You can choose a morning or afternoon appointment.
  3. Enjoy the benefits of Black Box
    Monitor your Driver Score and journeys, and get tips via the Driver App or portal.

Did you know? In 2017, over 46 million miles were driven by RAC Black Box drivers

Why choose RAC Black Box Car Insurance?

As the motoring experts, we search a panel of carefully selected insurers to give you our most competitive price. And with 120 years’ experience of serving customers, you know you’re in safe hands when you buy with the RAC.

  • RAC Breakdown cover – Add FREE RAC Breakdown to your policy and benefit from our connected breakdown service^
  • Uninsured driver promise – so you won’t lose your no claims bonus if your car is hit by an uninsured driver and it wasn't your fault
  • Free Motor Legal Protection – Free for the first 12 months of your policy, if selected, giving you up to £100,000 cover
  • Vandalism promise – if your car is vandalised, you won’t lose your no claims bonus

FREE connected RAC Breakdown^ - your personal mechanic

Add RAC breakdown cover to your Black Box Car Insurance policy and we'll cover the cost for the first year. What’s more, you’ll benefit from our connected Breakdown service, new for 2018.

Connected breakdown is a fantastic new service from the RAC, which combines black box with our famous breakdown service. It’s like having your own personal mechanic with you when you drive – we can detect little faults with your car and give you an early warning of anything that could lead to a breakdown. Just select it when you get a quote or buy.

71% of our customers to date have rated our Connected service as "Pleased" (4/5) or "Very Pleased" (5/5)

Find out more about connected RAC Breakdown  

Planning to drive in the EU this year?

What does Brexit mean for RAC Insurance customers? Find out what you need to do by following the link below.

Find out more  

How do we calculate it? What do you do if you get a Red Alert? We explain all in our Driver Score guide...


Use it to track your RAC Black Box Driver Score and review your driving. Get tips on how to drive more efficiently...


How does it work? How can it save you money? It's all down to our powerful black box technology...


Everything you need to know about Black Box Car Insurance - also known as 'telematics'...

Find out why these real life customers chose RAC Black Box insurance and what benefits attracted them.


Watch our video guide - What is Black Box Car Insurance?

What is Telematics Car Insurance and how does it work?

Telematics is an advanced driving technology that monitors the way you drive. It tracks things like braking and acceleration and works out how safe a driver you are by giving you a score out of 100. The higher your score, the better your driving and the lower the price your insurance could be.*

At the RAC, we call this technology RAC Black Box.

It's simple and easy to install: one of our approved fitters will fit a small black box into your car which is the telematics unit, or 'black box'. It uses GPS to give us the information we need to ensure you're driving safely and to provide you with the most competitive price based on your driving behaviours.

The information it gives us also helps us to let you know when you need to make some changes to your driving to ensure you get the best insurance price for you and your vehicle.

How is RAC Black Box Insurance different from traditional car insurance?

RAC Black Box Car Insurance carries the same features and benefits as traditional RAC Car Insurance but it gives you the opportunity to reduce your insurance premium price at renewal based on your true driving behaviour, which you control.

How much does black box insurance cost?

Car insurance is expensive for young and new drivers because they are more likely to have an accident than someone who has been driving for longer. Factors such as lack of road awareness, varying weather conditions and driving at night all mean inexperienced drivers are a greater risk on the road.

The benefit of black box insurance is that a person’s individual driving is monitored and their renewal premium calculated based on their own driving record, rather than them being treated the same as all other drivers.

If you can prove to your insurer that you’re a safer risk, then your premium can be reduced as a result. Like other types of car insurance, if you don’t make a claim within a year you will build up a year’s No Claims Discount (NCD). The more NCD you have, the more discount car insurers can offer you, and the cheaper your insurance is likely to be.

As with any other type of car insurance policy, other factors - such as the age of your car, engine size, where you leave it parked overnight, whether you have an immobiliser or other security device fitted - will be used to calculate your insurance premium.

Find out how Black Box Insurance could help your child get on the road


Find out how easy it is to get the box fitted to your car


Here are some of the most frequently asked questions we receive about RAC Black Box Insurance


All the information you need to retrieve a quote, amend your policy or make a claim


View all the optional extras available when you buy RAC Black Box Car Insurance


Review the cover levels of our Black Box Car Insurance


How does Brexit affect RAC Car Insurance customers? Our handy guide explains what you need to do and when.

We also offer

Find out how new and inexperienced drivers can help lower their car insurance premium


Find out how young drivers could save money with RAC Black Box Insurance


Flexible, short term cover allowing learners the chance to gain experience behind the wheel at home


What our customers are saying

My whole experience with RAC has been a very positive one. I am a new driver and completely new to cars & insurance etc. The RAC made my process simple and effortless!

Miss C B, Ashby-De-La-Zouch

Absolutely fantastic company from sorting out the insurance to fitting the black box. Must say your staff have excellent customer service. Well done all!

Miss E B, Sheffield

Easy step by step guide, competitive price and a trusted brand

Mr C F, Wolverhampton

They were very helpful when purchasing the insurance and very kind when fitting the blackbox

Mr C S, Northampton

Top notch service and not had any problems. Black box fitter was second to none and also took 2 previous black boxes out. He was brilliant and was very helpful

Mr H P, Lincoln

Very user friendly app and easy to understand areas for improvement and therefore safer driving

Mr R B, Burnley

Great service all around, clear communication, very fast service

Mr S S, Burwell

Excellent service, great Engineers and a swift job done. Thank you 

Miss E B, Sheffield

Affordable price for young drivers.

Mr J Clayworth

Service is top class, can't think of anything that would make it even easier.

Miss C Mackie

Found this easiest to purchase and fair price, don't think it could be any easier.

Miss J O'Brien

From start to finish, I found everything very professional and am very satisfied to have found such a first class Insruance company. Well done RAC.

Mr C Cooke

Was an extremely easy experience and I have already told a friend to try this out.

Mr J Byard

Frequently Asked Questions - you can also find more here

Q. Can I drive at night?
We don’t impose night time curfews or charge you additional fees for driving at night. However driving between the hours of 6pm and 6am will have an effect on your Driver Score. Our driver scoring takes into account when you are driving at night, which statistically increases the chances of an incident. If you regularly drive between these hours, then it may have a negative impact on your Driver Score, and could reduce any discount that you may be offered when you come to renew your policy.
Q. What are the benefits of RAC Black Box Insurance?

Check out the benefits of our Black Box Car Insurance below and get the right cover for your car today.

  • No curfews for young drivers - Drive where you want, when you want.
  • You choose your annual mileage - We don't charge you on a per mile basis, unlike some providers.
  • No installation fees – We’ll arrange to fit the black box at a time and location convenient to you. You just need to make sure the box is fitted within 14 days of the policy start date.
  • You could save more at renewal - The better you drive, the more competitive your renewal quote could be.
  • Lower your fuel bills – our useful driving tips could help you lower your fuel bill by becoming more fuel efficient.
  • Vehicle locator – If you can't remember where you parked your car, you can use our Black Box App to help you find it.
Q. How do I get the box fitted?

Getting your Black Box fitted is easy, normally takes less than an hour and will be carried out at a time and location convenient for you. Visit our fitting the box page for more information.

Q. What do you do with my black box data?
When you take out an RAC Black Box Car Insurance policy, we fit a black box to your car. This enables us to record information about your journeys, how you drive, braking, acceleration, and so on. The data we capture is used to monitor and alert you if we think you need to better manage your driving. At renewal we can then price your premium according to how safely you’re driven over the year.

This data is not used as a ‘speed camera’, so we don’t actively pass information to the authorities, unless specifically required to do so by law. However, we will email you an alert if you drive over the speed limit if we feel your speed is excessive, and if you continue to do so we have the right to cancel your policy with notice. In the event of an accident or suspected fraud, we can use your black box information for investigative purposes.

Other than stated above, we do not share your black box data with anyone else, for example your parents. You can view your black box data, along with any alerts, on our RAC Black Box Portal, or via our app.
Q. What is an OBD port?

Our Black Box plugs into the OBD (On-Board Diagnostic) port in your vehicle, which is normally located under the dashboard. This connects to the vehicle computer and is used by professional technicians to diagnose problems or errors with the vehicle.

On board diagnostic image


Your vehicle’s computer runs a diagnostic check every time you turn on the ignition and produces specialist codes relating to any issues – these are known as DTCs (Diagnostic Trouble Codes), and require a special tool to read them. 

You may not know, but it’s common for DTCs to be detected by your car’s computer without any warning lights appearing on your dashboard. Our Black Box can enable us to catch these potential problems early, and prevent them becoming more costly or troublesome in the future.

The OBD port can be used by a variety of devices, such as;

Telematics or black box devices – these use the port to identify the vehicle and to power themselves, so that they can monitor the vehicle location and driving behaviours

Manufacturer data logging devices - these are designed to capture information about the vehicle systems/mechanics while the vehicle is in use. These are sometimes supplied by the vehicle manufacturer or dealer to assist with fixing issues and schedule servicing

Driver Information devices - these devices provide additional information to the driver in addition to what’s normally displayed on the dashboard, and may be used by vehicle enthusiasts to monitor specific areas of their vehicle

Q. Are there any restrictions on how many miles I can drive?

No. We don’t impose a restriction on your annual mileage – you choose this when you get a quote for our cover. Before you get a quote, it’s worth thinking about how far you regularly travel (i.e. to college, university, or a place of work) and how many miles you may travel outside of this (i.e. holiday, days out, etc).

As with traditional car insurance, the higher the mileage you do, the higher the risk you are on the road, and the higher the premium you’ll pay for your policy. However, we will not charge you on a per mile basis, like some alternative young driver insurers.

We may contact you to discuss your declared mileage if you exceed it, so it’s worth making sure the mileage you give is a realistic estimate when you get a quote. If you exceed your estimate, this could result in an increase in your premium or potential cancellation of your policy.

If you buy an RAC Black Box Car Insurance policy you will need to have an RAC Black Box fitted to your vehicle.

1 Based on a survey of new RAC Black Box Car Insurance customers between 1st January and 30th June 2019. 724 of 810 customers scored us 6 or more out of 10, therefore 89% (9 out of 10) are likely to recommend us to a friend or family member.

2 03 numbers are charged at national call rates and are usually included in inclusive minute plans from landlines and mobiles. Calls may be recorded and/or monitored.

3 For the period 1st January and 30th June 2018, 55 people responded to the reassured question at the point of first notification of loss. 46 responded positively

*This box will monitor how your vehicle is driven and provide a Driver Score which will help us price your insurance premium at renewal. Please note, the Driver Score is based upon how the vehicle is driven, therefore the driving behaviour of all parties eligible to drive the vehicle will be taken into account.

^ Terms and conditions:

  1. This offer applies to new annual RAC Black Box Car Insurance policies and is not available to customers renewing or amending an existing policy.
  2. RAC breakdown cover is attached to the car insurance policy and will end if the car insurance policy is cancelled or not renewed. Unless opted out, your RAC breakdown cover will automatically renew alongside your car insurance policy and will become chargeable using the payment details supplied when taking out the insurance.
  3. The breakdown offer will consist of a 12-month single Vehicle Based UK Roadside Membership for the same car as insured through RAC Black Box Car Insurance. Connected breakdown comes as standard on UK Roadside and all other levels of breakdown cover.
  4. To take out this offer the customer must select the correct breakdown option, at a cost of £0.00, during the purchase journey.
  5. This offer is not available to existing RAC Members.
  6. The offer cannot be transferred to any other policy and there is no cash equivalent available.
  7. We reserve the right to amend or withdraw this offer at any time.
  8. RAC Breakdown and connected breakdown services are provided by RAC Motoring Services, registered No 01424399. Standard terms and conditions for the breakdown cover will apply and can be found here. Terms & Conditions for RAC Black Box and connected services can be found here.

This offer applies to new RAC car insurance customers for the first year only, unless you are an RAC member then this offer is also available at renewal of your existing RAC car insurance policy. Motor Legal Protection is attached to the car insurance policy and will end if and when the car insurance policy ends. The offer cannot be transferred to any other policy and there is no cash equivalent available. We reserve the right to amend or withdraw this offer at any time

RAC Insurance is a trading name of RAC Financial Services Limited. Registered in England and Wales No. 5171817. Registered office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. RAC Car Insurance and RAC Home Insurance are arranged and administered by BISL Limited, which is an independent intermediary. Registered in England no. 3231094. Registered office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. Both companies are authorised and regulated by the Financial Conduct Authority.

Breakdown cover provided by RAC Motoring Services (Registered No 01424399) and RAC Insurance Ltd (Registered No 2355834). Registered in England; Registered Offices: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. Arranged, sold and administered by RAC Motoring Services who is authorised and regulated by the Financial Conduct Authority in respect of insurance mediation activities only. RAC Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.


© 2019 RAC Motoring Services. All rights reserved.