{"id":581507,"date":"2026-10-26T12:08:09","date_gmt":"2026-10-26T12:08:09","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=581507"},"modified":"2026-10-26T12:08:09","modified_gmt":"2026-10-26T12:08:09","slug":"app-based-car-insurance","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/car-insurance\/app-based-car-insurance","title":{"rendered":"App-based car insurance for new drivers: How does it work?"},"content":{"rendered":"

There are options available for a new driver that can help you save on the cost of insurance<\/a>. These include traditional annual policies, telematics insurance with a fitted device (black box insurance<\/a>), temporary cover<\/a> and app-based insurance.<\/p>

App-based car insurance is offered by providers in the UK such as Veygo<\/a>, Cuvva and Zego<\/a>.<\/p>

If you\u2019re a new driver, understanding how app-based car insurance works could help you decide whether flexible, on-demand cover suits the way you drive.<\/p>

How does app-based car insurance work for new drivers?<\/h3>

App-based car insurance essentially means you need an app on your phone as part of your insurance policy. This could be to buy, access or manage your car insurance. Or in some cases it means an app will be used to monitor your driving. So it\u2019s quite a broad definition.<\/p>

New drivers pay more because they crash more. Drivers aged 17\u201324 make up 7% of UK licence holders but are involved in 24% of fatal collisions, according to the ABI<\/a>. For new drivers, the benefit of app-based car insurance is that you can demonstrate your driving behaviour to an insurer or access a policy only when you need it, for example if you have temporary cover because you only drive occasionally.<\/p>

If you have an app-based telematics policy, then your phone will be used to record some parts of your driving behaviour instead of using a physical black box, which is used in traditional telematics policies.<\/p>

\"An<\/div>
\"A<\/div>
\"An<\/div><\/div>
Veygo builds its app around flexibility, letting you choose between cover by the hour, day or month, with an optional telematics plan on top. It\u2019s a simple layout with few extras, though everything you need to get covered is on the first couple of screens.<\/div>

What different types of insurance are available?<\/h3>
Type of cover<\/th>What the technology does<\/th>Is driving monitored?<\/th>Examples of providers<\/th><\/tr><\/thead>
Traditional fitted black box<\/th>You need to get a telematics device installed in your vehicle.<\/td>Typically yes, according to the policy<\/td>Hastings Direct, RAC, Marmalade<\/td><\/tr>
App-based telematics<\/th>You can use your smartphone to monitor your driving instead of a fitted box.<\/td>Typically yes, according to the policy<\/td>Veygo, Zego<\/td><\/tr>
App-managed insurance<\/th>You use an app to buy, access or manage cover.<\/td>Not normally but depends on the provider<\/td>Veygo, Boom<\/td><\/tr>
Temporary insurance<\/th>You can purchase cover for a set period of time, which can be set up digitally.<\/td>Depends on the individual product<\/td>Cuvva, Tempcover, Veygo<\/td><\/tr><\/tbody><\/table><\/div>

What are the benefits of app-based insurance for new drivers?<\/h3>

App-based products can be simpler than the traditional alternatives, especially when it comes to managing your insurance. But it does still depend on the type of product you have.<\/p>