What is telematics car insurance?

A policy that uses a device fitted to the car, or an app on your phone, to record how the car is driven. What is recorded, how it is scored and how the insurer uses it when pricing your cover are set out in each insurer’s policy documents.

What is AIG BoxClever?

A telematics car insurance policy that AIG describes on its own website, at aig.ie/boxclever. Ask us whether a telematics quote is available for your details.

Can I remove the box?

Only on the terms the policy states: it sets out when and by whom the device is fitted and what removing it or interfering with it means.

Can the insurer cancel my policy because of my driving score?

Only the policy answers that: it sets out what a low score leads to, and that section is part of the contract you accept, so read it before you choose.

Is a telematics policy only for young drivers?

Not necessarily. Citizens Information says that, in general, less experience is likely to mean a higher premium, and a telematics policy adds a record of your driving whatever your age; whether one is available for your details is a question for the quote.

What do I need to get a quote?

For the Quick Quote: the car’s registration and value, your area, name, date of birth, licence type, no-claims years, mobile number, email, cover start date and Eircode. Then call 0818 92 92 42 to ask for a telematics quote, so it can be compared against a standard one on the same details.

Telematics car insurance: what is a black box?

A telematics policy, also called black box insurance, uses a device fitted to the car or an app on your phone to record how the car is driven; the policy documents set out what is recorded and how the insurer uses it when pricing your cover. Citizens Information notes that, in general, the less experience you have as a driver, the higher your premium is likely to be; a telematics policy adds a record of your own driving, and the policy says how the insurer uses it. GMIB.ie compares quotes from 14 different insurers, and where the form cannot give a price straight away, one of our agents reviews your details and calls you back with the options. Enter your details below to get a quote in under 60 seconds, then call 0818 92 92 42 to ask for a telematics quote.

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How a telematics policy works

What the device records, how the insurer scores it, and what the score does to your price at the start and at renewal are set out in that insurer’s policy documents, and they can differ from one insurer to the next. Read that section before you buy; it is part of the contract. Where the policy includes an app, the documents say what score and feedback you see.

The policy also sets out when and by whom the device is fitted, what removing it or interfering with it means, and what a low score leads to. Under the Consumer Insurance Contracts Act 2019 you answer the insurer’s questions honestly and with reasonable care, and that includes who drives the car, since the policy sets out what is recorded whoever is driving. Insuring an electric car? Our guide to electric car insurance in Ireland covers the questions insurers ask about an EV.

How a telematics box affects the price

Whether a telematics policy lowers your price depends on the score you get and on what that insurer’s policy does with it, so compare the telematics quote against a standard quote on the same details before you choose, and read what the policy says about night driving, distance and other drivers if any of those apply to you.

See young drivers car insurance and first-time drivers for the other factors that move a new driver’s price. To talk it through, call 0818 92 92 42, Monday to Friday, 9am to 5.30pm.

Sources: Citizens Information – motor insurance; Consumer Insurance Contracts Act 2019. Last reviewed September 2026.

Frequently Asked Questions

What is telematics car insurance?
A policy that uses a device fitted to the car, or an app on your phone, to record how the car is driven. What is recorded, how it is scored and how the insurer uses it when pricing your cover are set out in each insurer’s policy documents.
Does a black box make car insurance cheaper?
It depends on the score you get and on what that insurer’s policy does with it. Compare the telematics quote against a standard quote on the same details, and read the policy’s section on scoring before you decide.
What is AIG BoxClever?
A telematics car insurance policy that AIG describes on its own website, at aig.ie/boxclever. Ask us whether a telematics quote is available for your details.
Can I remove the box?
Only on the terms the policy states: it sets out when and by whom the device is fitted and what removing it or interfering with it means.
Can the insurer cancel my policy because of my driving score?
Only the policy answers that: it sets out what a low score leads to, and that section is part of the contract you accept, so read it before you choose.
Is a telematics policy only for young drivers?
Not necessarily. Citizens Information says that, in general, less experience is likely to mean a higher premium, and a telematics policy adds a record of your driving whatever your age; whether one is available for your details is a question for the quote.
What do I need to get a quote?
For the Quick Quote: the car’s registration and value, your area, name, date of birth, licence type, no-claims years, mobile number, email, cover start date and Eircode. Then call 0818 92 92 42 to ask for a telematics quote, so it can be compared against a standard one on the same details.