Black box car insurance Black box insurance fees and charges

Black box fees and charges

Black box providers have a host of fees and charges you should check before you buy

Like traditional car insurers, black box providers levy a host of fees for using their services.

Having a box transferred to another vehicle, having your box disconnected and missing an appointment with an installer can all attract charges.

Change of vehicle

If you buy a new car and you want to continue using your black box, some providers will charge you a fee for the privilege. Drive Like a Girl, for example, levies a £90 fee to transfer the box from your old car to your new one.

Some insurers will also charge you a fee for switching to a new vehicle even if the box is yet to be installed. Wise Driving charges a £35 fee for this change.

Missed installation

When you sign up for a black box policy, your provider will set an installation date for the fitting of the device. If you miss the date, however, many providers will charge a fee. The Co-operative, for example, charges £45 for a missed installation.

Black box disconnection

If your black box policy comes to an end and you decide you want to move to a different provider you don’t have to have the box removed from your car but it will need to be switched off. Most black box providers do not charge for this but some do, notably Admiral, which has a £100 fee.

Box removal

If you no longer want a black box policy and you don't renew (or you cancel your policy mid term) most providers will not ask you to have the box removed, instead preferring to disconnect it remotely. However, if you do decide that you want to get rid of the box, you could be charged. Coverbox, for example, charges £60 to remove their black box from your car.

Traditional car insurance fees

As well as the fees listed above, black box insurers charge many of the same fees as traditional car insurers. This includes an APR if you pay monthly, cancellation charges and duplicate document fees.

If you opt for black box car insurance make sure you read the terms and conditions carefully before you sign up. This will help you avoid any nasty surprises if your circumstances change mid policy.

More info

Which? Limited (registered in England and Wales number 00677665) is an Introducer Appointed Representative of Which? Financial Services Limited (registered in England and Wales number 07239342). Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Registered office: 2 Marylebone Road, London NW1 4DF.