Compare Car Insurance Without A Black Box
Compare car insurance from top UK’s leading car insurers with no black box required including:
Why compare no black box car insurance with MultiQuoteTime.co.uk?
To make savings on car insurance, are you considering breaking from your traditional annual insurance policy and exploring pay-as-go-car insurance or a pay-as-you-use model? MultiQuoteTime has partnered with Quotezone.co.uk to help you explore different styles of car insurance!
The QuoteZone comparison tool that we provide access to will enable you to compare multiple leading UK car insurance providers. The results can be easily filtered using intuitive filters to let you hone in on the quotes that meet your individual requirements.
How to get multiple car insurance quotes?
What factors influence the cost of no black box car insurance?
Key factors
The list does not cover how the vehicle will be used; for example, if you use your vehicle to make deliveries, you will need hire and reward insurance, which is more expensive than standard personal use or even business use
Annual Mileage: Motorists who rack up high mileage will pay more than those who drive less. For example, if your average annual mileage is 5,000, expect to pay less than a driver who clocks up 10,000+ miles per year.
Occupation: Insurers take into account the driver’s occupation when calculating risk and the cost of cover. Some occupations are seen as lower risk — if you’re a teacher or a police officer, expect to pay less than someone in a higher-risk occupation
Postal Address: Some areas of the UK experience a higher crime rate than others — for example, central London. If you live in a rural location with low crime, expect to pay less than city dwellers.
Young and inexperienced drivers are seen as higher risk and will pay more than experienced drivers with a low or no-claims history.
Car Category: Cars that are expensive to repair or replace will fall into higher insurance brackets. To save, consider buying a car that falls into one of the lower insurance brackets.
Car insurance Without Black Box for Young Drivers
Car insurance with no black box within the UK is in general more expensive than insurance with a black box installed. The reason so many young people have a black box in their vehicle is to prove they are safe drivers and benefit from safe driving discounts. The black box is not required by UK law. It is just one path many take to lower their vehicle insurance premiums.
But for many young and new drivers, a no black box insurance policy is preferred for reasons that include privacy to the fact that any driving mistake may boost the cost of their premiums.
Multi Quote Time works can provide you access to a panel of over 100 insurance brokers. The online results can be filtered to show only insurance quotes without black boxes. This enables to quickly and easily compare policies and prices for policies that meet with your requirements
What is black box car insurance?
A black box is a telemetric device that can be installed in a vehicle. This device records how the vehicle is driven. This includes the variables of speed, time and location. It also records the rates of acceleration and braking. This data is sent to a receiver or can be downloaded and reviewed by an insurance firm. Insurance for young drivers without a black box is available, but expect to pay a higher premium. Whilst termed “black box” it need not be an actual black box.
For this type of insurance, one of the following devices can be employed
Black Box Car Insurance Pros and Cons
This will depend on a number of factors. Ask yourself how much risk would I pose to the insurance broker. If you are a bad driver that takes the occasional risk, a black box policy is probably not a good idea. On the other hand, if you drive slowly, and carefully you would likely benefit in having a black box device installed as the data should all be positive. If the data collected shows that you drive mostly at night or for long periods, this again will be an indicator of higher risk to the broker. If you are young and like performance cars, but still drive within limits it should then help lower your high performance sports car insurance premiums.
Black box car insurance rules
Driving with a black box can lower your car insurance, but you must follow the handy guidelines list below to make the most savings.
Black box insurance is available from most insurers at three different levels of coverage
Like other forms of car insurance, black box insurance is offered by most insurers at three different levels of coverage, ranging from the legal minimum to fully comprehensive.
Third-party (TPO)
This is the most basic level of coverage available and represents the legal minimum required to drive in the UK. It only provides payouts for claims made by third parties if you are at fault in an accident.
Third-party fire and theft (TPFT)
This level of coverage is similar to Third Party Only (TPO) but also includes compensation if your vehicle is stolen or damaged by fire. However, it does not provide any coverage for damage to your own vehicle or personal property.
Fully comprehensive
This is the highest level of coverage available. It includes Third Party, Fire, and Theft (TPFT) protection, as well as coverage for your vehicle, yourself and your passengers, and your personal property.
Have you points on your licence or convictions?
Installing a black box can help reduce the high premiums associated with car insurance for a convicted driver or if you have with excessive points on your driving licence.
How you can save on young driver insurance with no black box.
The use of a black box to reduce the cost of vehicle insurance is just one path a young person or a new driver can take. Other options to consider include:
- Keep your mileage low. For an insurance provider, low mileage means less time on the road, meaning less risk of an accident and a claim. This can be frustrating if you like the open roads and weekend trips to the coast, it’s your choice dependent on your cost’s restrictions.
- Secure your vehicle. Make sure you have an alarm or immobiliser fitted. Additionally, if able, keep your car securely parked overnight in your driveway, for example.
- Avoid Monthly Payments: Paying car insurance monthly can add extra interest charges, making it more expensive than paying in one lump sum.
- Increase voluntary excess. If you are a confident and careful driver, then ideally you will be avoiding any collisions and claims on the insurance, so you won’t be paying this higher excess anyway.
- Car Insurance Group : By choosing a vehicle that is classified from a lower insurance category, example choosing a car in group 7 or lower
- Comparing Prices: Comparing prices by getting multiple quotes helps you find cheaper car insurance policies. When you compare prices, you increase the likelihood of discovering more affordable options. You can make a quick car insurance comparison using our car insurance calculator. If you have the time check out what is on offer from car insurance companies not on comparison sites, for example Haven insurance plus others
- Claims Bonus: Also known as a no-claims discount, is the discount drivers who maintain a no claims history earned. The longer you drive without making a claim, the higher your claim’s bonus becomes. Thus, insurance companies reward customers with cheap quotes on their premiums.
- Driving History: Insurance companies offer cheaper rates to those who drive safely. Compared to young drivers, over-60s often have a clean driving record and positive personal details in their driving history. However, if you have any motoring convictions or have a bad credit score in the past, insurers are likely to increase your premium.
- Black Box : Adding a black box that will record how you drive can be help bring down the cost of car insurance, especially for younger drivers that are careful drivers or occasional drivers. Options for no black box insurance is limited for younger drivers, but is still available,
Some examples of diver profiles that may benefit from a no black box insurance policy?
Other ways to get cheap insurance with no black box:
For some driver categories the black box may not be the best way to get the cheapest insurance, if you fall into one of these categories you should consider insurance without a black box.
Following the above advice should help you find a cheaper quote for young no black box insurance. With a good driving history over time you will be able to build up your no claims and this will help in reducing the cost of car insurance for new drivers under 21 or under 25 without installing a black box.
How to compare No Black Box quotes at MultiQuoteTime.co.uk
Complete online form
Complete some basic details about yourself, your driving history, and the car you wish to insure without installing a black box.
Select your extras
At this stage, you can choose to add some optional extras. These add-ons are not compulsory but may be a requirement depending on your needs.
Select your extras
At this stage, you can choose to add some optional extras. These add-ons are not compulsory but may be a requirement depending on your needs.
Compare to save
Find the best deal tailored to your budget and specific needs.
*51% of consumers could save £518.14 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2025 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
- Updated: 12 April 2025
- Reviewed by Eamonn Turley Insurance Expert