Overview

• Hastings Direct’s March 2025 survey of 2,000 people found around a third would consider telematics to cut costs, with about 40% of middle‑aged drivers saying cheaper premiums would persuade them to switch.
• Insurer analysis cited in the reports says telematics policies are typically about 20% cheaper than some standard comprehensive new‑driver cover, potentially saving hundreds of pounds.
• Telematics scores driving based on speed, harsh braking or acceleration, and phone use, which can lower premiums for safer drivers and increase costs for riskier behavior.
• Many motorists misunderstand how these policies work, with notable shares believing they restrict road types (11%), ban driving at certain times (10%), or become invalid if agreed mileage is exceeded (14%).
• Interest varies by city, with Belfast at 44%, Bristol 43%, Nottingham 40%, and London 39% saying they are considering a black box to reduce insurance costs, as media rumors continue ahead of the November budget.