Our cookie policy

We use cookies to give you the best possible experience of our website. If you continue, we'll assume you're happy for your web browser to receive all cookies from our website. See our Privacy & security policy for more information on cookies and how to manage them.

× Back

A guide to Brightside Blackbox Insurance

Blackbox insurance or telematics as it can also be known has some specific features which makes it different from a standard insurance policy. This guide provides you with information about Brightside Blackbox Insurance to assist you in making an informed decision about whether the product is right for you and your circumstances.

Section 1 – Brightside Blackbox insurance – what is it?

Section 2 – What you need to think about

Section 3 – Event Fees and Charges

Section 4 –  Cancellation Costs

Section 5 –  How your data is used

 

Section 1 – Brightside Blackbox Insurance – what is it?

Brightside Blackbox Insurance is the name for our telematics offering.  Telematics Insurance uses data from a small blackbox we call a device, which must be fitted to your vehicle within 7 days of the start date of your policy. The device records driving behaviour and the information collected is analysed to understand driving and aptitude on the road, which can translate to more accurate insurance premiums.

When you purchase a Brightside Blackbox Insurance policy a discount is included within the price of your policy on the assumption that you and any named drivers will drive in accordance with the agreed driving behaviours.

If you and any named drivers drive in accordance with the agreed speed limits, don’t exceed the disclosed mileage and keep your vehicle at the address you disclosed then Brightside Blackbox Insurance could work out cheaper than a standard (non-telematics) policy. If you don’t you will incur additional fees and charges which could make the policy more expensive.

You must inform anyone that is insured to drive your vehicle that it is fitted with a blackbox device that will collect and transmit data about how your vehicle is driven and used. This is important as you will be liable for the driving behaviour of named drivers and their poor driving behaviour could result in you having to pay additional fees or charges or in the worst case scenario the cancellation of your policy.  

Section 2 – What you need to think about

There are some key things you need to think about when considering Brightside Blackbox Insurance:

 

You will need to have a device fitted to your vehicle – this will need to be done within 7 days of the start date of your policy. Failure to make your vehicle available for device fitting will result in your policy being cancelled.

 

Your Driving Style – You should consider how likely it is that you and any named driver will drive within the agreed behaviours, as failure to do so will result in additional fees and charges.

 

Your Financial Situation – In the event that you incur additional fees and charges you need to consider if you afford to pay them. Failure to pay any fees and charges incurred will result in the cancellation of your policy.

 

Are you likely to go over your mileage limits – Your mileage will be monitored by the device and if your predicted mileage is higher than the mileage you declared, an additional premium will be payable along with our admin fee. So if you have any driving holidays planned then you will need to take this into consideration.

 

How likely are you to change your vehicle during the policy term - If you change your vehicle you will have to pay for a new device to be fitted alongside any additional premium required for the new vehicle and our admin fee.  In some circumstances the insurer may be unable to cover your new vehicle, in which case the policy will be cancelled and you will incur fees for cancellation.

Section 3 – Event Fees and Charges

If you decide to take out a Brightside Blackbox Insurance policy there are events that if recorded by your device will trigger additional fees and charges and / or result in the cancellation of your policy.

Events triggering additional fees and charges

EventInsurer Charge Brightside Admin FeeTotal 

Speeding Notification 1  

Exceeding the prevailing speed limit by 50%

£112 (Including IPT)

£35

£147

Speeding Notification 2 

Exceeding the speed limit by 50% or more and you have had a Speeding Notification 1 event within the previous 60-day rolling window.
£224 (Including IPT)

£35

£259

Mileage

Your predicted mileage is higher than the number of miles declared at inception / renewal of the policy.
Additional premium will be payable for increased mileage. £35Additional premium + £35

Postcode

Your vehicle is not being regularly kept at the postcode declared when you purchased the policy.
Additional premium may be payable dependant on postcode. £35Additional premium + £35

Unsuccessful device installation appointment

£50£0£50

Fitting a new device to a different vehicle

£115 (The insurer may also charge an additional premium for your new vehicle.) £35£150

Removal of the device (optional)

£60£0£60

Tampering with the device

£100£0£100

Website line

Events triggering policy cancellation

Event Policy cancelled with 7 days’ notice? 

Deliberate tampering of the device

Yes – In addition to the £100 insurer fee detailed in the table above. 

Speeding Notification 3

Exceeding the speed limit by 50% or more and you have had a Speeding Notification 1 & 2 event within the previous 60-day rolling window.
Yes

Event 100

Where you have exceeded 100 miles per hour
Yes

 

Section 4 - Cancellation Costs

If the policy is cancelled by yourself or by us, the cancellation charges are likely to be higher than a standard vehicle insurance policy. We may cancel the policy where there is valid reason to do so by sending at least 7 days’ notice. Valid reasons include, but are not limited to, the following:

  • Non-payment of any additional premium due arising from a speeding event
  • Evidence of tampering or blocking the signal from the device
  • Continued evidence of high risk driving
  • Failure to arrange for a device to be installed in your vehicle

 

When Insurer ChargeBrightside Fee (in addition to insurer charge)
Cancellation before cover begins (Device not fitted)£0£0
Cancellation before cover begins (Device fitted)Device fee: £120£0

Cancellation in cooling off period (Device not fitted)

  • Cancellation fee: £50
  • Pro-rata charge for the number of days on cover
  • Cancellation fee: £25
  • Arrangement fee: 10% of your premium 

Cancellation in cooling off period (Device fitted)

  •  Cancellation fee: £50
  • Pro-rata charge for the number of days on cover
  • Device fee: £120
  • Cancellation fee: £25
  • Arrangement fee: 10% of your premium

Cancellation outside cooling off period (Device fitted)

  • Insurer short term rates for cover
  • Device fee: £120
  • Cancellation fee: £60
  • Arrangement fee: 10% of your premium
  • Reclaimed Commission 

 

Insurer short term rates

 

If you cancel outside of the “cooling off period” (the first 14 days from the policy start date)  the insurer will retain a percentage of the premium paid. This could mean that there is little or no refund following the charge for time on cover and the addition of our fees and charges for cancellation. The proportions of your premium that will be retained by the insurer on cancellation are:

 

14 days to 1 month on cover25% of total premium
Up to 2 months on cover40%
Up to 3 months on cover50%
Up to 4 months on cover65%
Up to 6 months on cover75%
Up to 8 months on cover90%
Over 8 months on cover 100%

 

Reclaimed Commission  

When we arrange your insurance policy the insurer pays us a commission. If you cancel your insurance policy outside of the cooling off period (which is the first 14 days) the insurer will reclaim a proportion of that commission from us. We will deduct the amount of the reclaimed commission from any return premium owed to you, or add it to any outstanding balance due.

Section 5 - How your data is used

 

Your blackbox device acts in a similar way to your mobile phone whereby there is SIM card which sends your data to the insurer’s partners ITS who analyse how safely you’re driving. From the date the device is installed it will collect information including (but not limited to):

 

  • Acceleration
  • Mileage
  • Braking
  • Speed
  • Cornering
  • Time spent stationary
  • Distances
  • Time of use
  • Location of your vehicle; including where its kept overnight
  • Types of roads used

 

This information will be used by the insurer to build up a profile of how, where and when your vehicle is driven and for the following purposes:

  • To charge additional premiums or cancel the policy for extreme speeding events.
  • To review the information disclosed by you in relation to your policy or any claim, and to identify inconsistencies.
  • To assess your driving behaviours and your vehicle usage together with your previous scores to help determine your future insurance premiums.

The insurer also uses this data for other purposes full details of which can be found in the policy wording.  At the end of your insurance period, or if your policy is cancelled, the device will be de-activated and no further data collected. Please see the policy wording for full details of how the insurer will use your data.

 

So now you are aware of some of the key things you need to consider when make a decision about whether to purchase Brightside Blackbox insurance. Full details of the benefits and limitations of this policy can be found in the Policy Wording. 

Blackbox Insurance help topics

View all

What is blackbox ?

Blackbox Insurance

Blackbox Insurance uses data from a small box we call a device, fitted into your vehicle.

Do Brightside offer blackbox (telematics) insurance?

Blackbox Insurance

Yes, we offer a specialist blackbox product called Brightside Blackbox Insurance

How does the blackbox device work?

Blackbox Insurance

Blackbox insurance works by having a device fitted into your vehicle which acts in a similar way to your mobile phone.

Is blackbox insurance cheaper than a standard insurance product?

Blackbox Insurance

When you purchase a Brightside Blackbox Insurance policy a discount is included within the price of your policy on the assumption that you and any named drivers will drive in accordance with the agreed speed limits.

Why do people have a blackbox fitted to their vehicles?

Blackbox Insurance

The monitoring of your vehicle through a blackbox device can mean that depending on your circumstances an insurer can offer you a cheaper price if you keep within the parameters you agreed to when you took the policy out.

What happens if I speed and I have a blackbox fitted?

Blackbox Insurance

If you speed (also known as an “extreme speeding event”) as stated in the terms of business (link) you are liable to pay a £112 additional premium (including Insurance Premium Tax, plus an administration fee of £35 within 14 days

What happens if I drive more miles than I stated if I have a blackbox fitted?

Blackbox Insurance

We will contact you to discuss why this may have happened and look to amend the insurance policy to take into account any new information. If we are unable to contact you then your policy may be cancelled.

What happens if I regularly park the vehicle in a different postcode to the one stated in my insurance policy if I have a blackbox fitted?

Blackbox Insurance

We will contact you to discuss why this may have happened and look to amend the insurance policy to take into account any new information. If we are unable to contact you then your policy may be cancelled.

What happens if I go over 100 miles an hour if I have a blackbox fitted?

Blackbox Insurance

If you go over 100 miles an hour (known as an “event 100”) for 1 second or more your policy will be cancelled, subject to a notice period of 7 days.

When is the blackbox fitted?

Blackbox Insurance

To validate your policy you will need to ensure your blackbox device is fitted within 7 days from the start of the policy. Fittings can take place with a family member or friend present.

What do I need to bring to my installation appointment?

Blackbox Insurance

You need to make sure you have your driving licence present at the installation appointment.

How will I know if there is a problem with the blackbox?

Blackbox Insurance

Brightside will contact you via email to let you know if there is an issue with your blackbox device.

What happens if I don’t pay the fines I have in association with my blackbox

Blackbox Insurance

If you don’t pay the fines you have incurred within 14 days of the incident, your policy will be cancelled, subject to a notice period of 7 days.

What happens if I want remove the blackbox from my vehicle?

Blackbox Insurance

You should be aware that your insurance policy is only valid if your blackbox device is active in your vehicle.

What happens if I want to change my vehicle when I have already had a blackbox?

Blackbox Insurance

If you change your vehicle part way through your insurance cover we will need to supply you with a new device.

What happens if I don’t attend the installation appointment for my blackbox?

Blackbox Insurance

If you do not turn up to your installation appointment at the agreed time and destination, then we will be charge you a £50 penalty fee. You are also at risk at having your policy cancelled.

If I drive outside of the agreed behaviours will it affect my renewal insurance price?

Blackbox Insurance

The blackbox device allows for your driving behaviour to be monitored. If you or any of your named drivers do go outside the agreed driving behaviours this will be taken into account with regard to your renewal price.

What happens to the blackbox at the end of the insurance cover period?

Blackbox Insurance

At the end of your insurance period, the device will be remotely deactivated and no further data collected.

Will I be on a curfew and penalised for driving at certain times?

Blackbox Insurance

There are certain times of the day when accidents are more likely to occur, like at night, but you won't be charged a fee for driving in the night with Brightside BlackBox.

Will you tell the police if I was committing a speeding offence?

Blackbox Insurance

Brightside does not inform the police if the data collected suggests you were just committing a speeding offence.

Do i need to remove the black box before I sell or scrap my vehicle?

Blackbox Insurance

No, if you are selling your vehicle or getting it scrapped you don't need to worry about getting blackbox device removed.

I have a blackbox device and I don’t agree with the mileage notification you have sent me. Who do I need to speak to talk about this?

Blackbox Insurance

If you would like to discuss the mileage notification you have received further, please call us on 0344 902 8345.