Would you like to be rewarded for driving safely? We’ve checked out the telematics (“black box”) car insurance from BoxyMo, which says it offers its young customers extra miles for better driving. Here’s our analysis.
BoxyMo is geared towards young, newly qualified and learner drivers in Northern Ireland. Each comprehensive policy requires a black box device to be fitted to your car to monitor your driving habits. BoxyMo claims not to add any curfews to your driving, and it offers a courtesy car and European cover as standard. Here’s what else we think you should know.
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Who is BoxyMo?
BoxyMo was set up in 2013 as Ireland’s first dedicated telematics insurer. It caters specifically for young learner and newly qualified drivers (aged between 17-24) in Northern Ireland.
Customers get a black box fitted to their car as standard to monitor driving and braking habits, and BoxyMo will base premiums on these habits (which means if you don’t drive safely, your premiums could rise). This insurer will also reward customers who drive safely with extra miles each month.
BoxyMo is a trading name of Insurebrands Ltd. Insurebrands Ltd is an appointed representative of MCL Insurance Services Ltd.
What are BoxyMo’s levels of cover?
BoxyMo only offers one level of cover; it doesn’t offer third party or third party, fire and theft cover.
- Comprehensive. This is the highest and only level of cover on offer through BoxyMo. If you are responsible for causing an accident, you’ll be protected for damage to third party vehicles or property. You’ll also have protection against any fire damage or theft of your car as well as insuring your vehicle against accidental damage and vandalism.
What is covered under my BoxyMo policy?
|Liability to other people and property||✓|
|Fire and theft||✓|
|EU cover for up to 45 days||✓|
Check your policy details carefully to ensure you have the right cover for your needs.
- BoxyMo offers one optional extra to bolt on to a comprehensive policy:
- No-claims bonus protection. It allows you two claims in a five-year period with your bonus remaining unaffected.
Any cover arranged through BoxyMo is likely to become invalid if any of the following arises:
- Your car is being driven by an unnamed driver on your policy or by a person that does not have a valid driving licence.
- Your car is used for rallies, races or competitions.
- You fail to pay for your premium.
- You are paid to carry passengers.
- You change your car during the policy term to a car that the insurer cannot cover.
- You do not provide the correct documents to support your application.
Check your policy document for further details to confirm your cover is valid.
How to save on your car insurance policy through BoxyMo
- Park securely. Cars kept in a garage or on a secure driveway are usually cheaper to insure.
- Increase the excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.
- Pick a smaller car. Choosing to drive a small and safe car is likely to lower your premium.
- Drive carefully. You driving and braking habits will be monitored closely through the black box fitted to your car so consistent safe driving is likely to lower your premium.
- Realistic mileage. You choose how many policy miles you require with a BoxyMo policy (between 4,000 -10,000 miles) and can top up with extra miles if you go over this before the end of your policy term. But be aware that it is more expensive to choose a lower number of policy miles and then add top up miles than it is to buy a higher number of policy miles at the start of your policy or at renewal.
What is my excess?
Your insurance excess is the amount of money you have to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount.
A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which could in turn reduce your premium.
Meanwhile, a compulsory excess amount might vary depending on the age of your car and your driving experience.
BoxyMo comes with a standard £150 compulsory excess for accidental damage, fire, theft and malicious damage claims. On top of that, another compulsory excess will be applied depending on your age. This ranges from £50 – £250 with learner drivers having to pay an additional £150.
You’ll find details about any compulsory or voluntary excesses in your policy document.
What is the claims process for BoxyMo?
Call the BoxyMo claims line on 028 90722961 to report a claim. This 24-hour claims line is open seven days a week.
You’ll need to have your insurance policy number and all details relating to the incident, including third party and witness contact details.
It’s important that you let your insurer know about an incident as soon as possible, even if it’s not your fault. A delay in reporting an incident or failure to report it could result in a rejected claim later on.