Please or to access all these features

Teenagers

Parenting teenagers has its ups and downs. Get advice from Mumsnetters here.

Teen DS car insurance much lower after first year with black box

15 replies

Muchtoomuchtodo · 21/09/2026 22:41

It’s nearly a year since DS passed his driving test.

His first year insurance was fully comprehensive with a black box and cost £960.

We’ve just had his renewal through and it’s down to £405.

His black box score has been in the 80’s and above, so it seems that it really is a good idea to have one providing they keep their score up high.

Hopefully this gives hope to those getting quotes for the first year of driving that it doesn’t stay high forever.

OP posts:
Freshrain · 22/09/2026 00:07

That is
a) incredibly low compared with anything people where I live can get
and
b) a massive reduction.

But, comforting to those being made to have a black box Smile

SpaceAngel1999 · 22/09/2026 06:13

That’s a good price! My son drives a corsa and his first year with a black box has cost £2k…

CombatBarbie · 22/09/2026 06:43

Thats gotta be the cheapest ive ever heard! DD was £1800 on a Ford Ka

SethAndReubenTooSendGaloshes · 22/09/2026 06:43

That's insanely cheap. DS is paying £200 a month for the first year with black box!

Permanentlyundecided · 22/09/2026 07:01

My 17 year old has just paid £1200 for his first year with a black box. Good to know it can come down that significantly.
My own insurance is less than £300 per year!

Hermanfromguesswho · 22/09/2026 07:15

My sons was 1400 for first year with black box (mine is under 300!) hes 6 months in and score is over 80 so fingers crossed for much lower next year 🤞

PumpkinWanker · 22/09/2026 07:15

wow ive never heard of it behind under 4 figures before for a 1st year.
Dd’s was 1400 then ds’s was 1700.
dd’s did halve though after first year so yes definitely agree with them being hugely useful.

Muchtoomuchtodo · 22/09/2026 17:17

We were getting plenty of quotes around the £1500 and above mark so I played around a bit with things - was DS a student or a school student, whether or not DH and I were on the policy, where it was parked overnight - drive or road and the annual mileage (I put 5000, he’s actually done more but we rang to check and it didn’t cost any more) and finally came up trumps with Hastings Direct. I couldn’t believe the price so snapped it up!

This year I will need to change him from school student which might affect the renewal price, but it won’t be anywhere near what this first year cost.

OP posts:
BirchAndWillow · 22/09/2026 17:51

What model/age of car does he drive?

Muchtoomuchtodo · 22/09/2026 17:57

An 8 year old Peugeot 208

It’s a low insurance group (8) and not common for young drivers, unlike fiestas, polos, fiat 500 etc

OP posts:
HackerMom · 23/10/2026 10:20

Good to hear, and that tends to be how it plays out. A black box policy is basically the insurer saying "we can't price this driver yet, so show us", and after a clean year you've got real data on your side. Premiums for new drivers usually fall noticeably after the first year anyway, and the telematics record gives you extra leverage on top of that.

A few things worth doing before the renewal goes through:

Get quotes from a few places rather than just accepting the renewal price. Insurers often loosen up on loyalty for telematics customers, but the best deal often isn't with the current provider. Check whether you can keep the black box if the price is better, or move to a standard policy now that he has a year behind him. Some insurers will give a better headline price for a standard policy after 12 months of clean driving, but it's worth comparing the two directly.

Check what the policy says about his driving score. Some black box policies reward consistent scores with a lower renewal, so if his driving has been smooth (no harsh braking, no late-night driving if that's penalised), ask the insurer whether that's reflected in the renewal price, because it isn't always automatic.

Keep his no claims discount protected. A year of no claims is worth a lot at this age, and protecting it is usually cheap.

Be careful with the details when you re-quote. Postcode, where the car is parked overnight, annual mileage and whether you name yourself as the main driver all move the price a lot, and the details have to be accurate or a claim could be affected.

If he's thinking about changing car at some point, it's worth checking the insurance group and getting a quote on the specific car before buying. The difference between two similar-looking cars can be a few hundred pounds a year at his age.

(I work on a UK first car tool, FirstCarScout, which is partly why I'm looking at this stuff so much, but the above is just what tends to work.)

Regretttt · 23/10/2026 15:40

Great result. Two things worth adding for anyone reading. Always get fresh quotes at renewal rather than accepting the auto-renewal, telematics prices drift a lot between insurers. And never put a parent down as the main driver to cut the cost, that is fronting and it can void the policy.

Opihr · 25/10/2026 21:42

Same thing happened to us. Year 1 was £1300 ish, Year 2 was under £500. Such a relief!

Garfieldloveslasagnepie · 25/10/2026 21:49

HackerMom · 23/10/2026 10:20

Good to hear, and that tends to be how it plays out. A black box policy is basically the insurer saying "we can't price this driver yet, so show us", and after a clean year you've got real data on your side. Premiums for new drivers usually fall noticeably after the first year anyway, and the telematics record gives you extra leverage on top of that.

A few things worth doing before the renewal goes through:

Get quotes from a few places rather than just accepting the renewal price. Insurers often loosen up on loyalty for telematics customers, but the best deal often isn't with the current provider. Check whether you can keep the black box if the price is better, or move to a standard policy now that he has a year behind him. Some insurers will give a better headline price for a standard policy after 12 months of clean driving, but it's worth comparing the two directly.

Check what the policy says about his driving score. Some black box policies reward consistent scores with a lower renewal, so if his driving has been smooth (no harsh braking, no late-night driving if that's penalised), ask the insurer whether that's reflected in the renewal price, because it isn't always automatic.

Keep his no claims discount protected. A year of no claims is worth a lot at this age, and protecting it is usually cheap.

Be careful with the details when you re-quote. Postcode, where the car is parked overnight, annual mileage and whether you name yourself as the main driver all move the price a lot, and the details have to be accurate or a claim could be affected.

If he's thinking about changing car at some point, it's worth checking the insurance group and getting a quote on the specific car before buying. The difference between two similar-looking cars can be a few hundred pounds a year at his age.

(I work on a UK first car tool, FirstCarScout, which is partly why I'm looking at this stuff so much, but the above is just what tends to work.)

Most insurers require at least 3 years before you can protect the bonus

DurinsBane · 25/10/2026 21:56

My child’s was over 3k with a black box first year. Now just over 1k without a black box for the 2nd year. Not bad!
I’m surprised (and jealous 😁) you found one for less than 1k for the first year!

New posts on this thread. Refresh page