# Does telematics lower car insurance?

> Quick answer · Last updated 4 July 2026

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## In short

Often yes for young and careful drivers — a black box or app monitors driving style and can cut premiums by 20%–40%. Poor scores or night driving can increase costs or lead to policy cancellation.

Telematics policies suit low-mileage, daytime drivers who accelerate smoothly.

Curfews and mileage caps apply on some policies — read terms before buying.

See young driver and telematics insurance guide.

## Related

- [Young driver telematics](https://moneyguide.org.uk/cars-motoring/young-driver-and-telematics-insurance/)
- [How to cut car insurance](https://moneyguide.org.uk/cars-motoring/how-to-cut-car-insurance/)

## Primary source

gov.uk/vehicle-insurance

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.