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Ikube car insurance

Car insurance costs are on the up, after it emerged that following a steady period of declining prices, premiums have now gone up for the first time since June 2011.

Drivers can expect to fork out a hefty £582 a year for cover, according to car insurance provider Confused.com

But for the under 25s, that is a drop in the ocean – on average youngsters now pay about £1,911 for car insurance - although this is down by £792 since this time last year.

Despite that high cost, many younger drivers still want the freedom of being behind the wheel. We explain how they can try to beat the high insurance cost trap and we also reveal how it can be possible to drive something more fancy than a tiny-engined hatchback and still keep costs down. 

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Men vs women and car insurance costs

Until fairly recently, female drivers have been offered some respite from high costs, as they are seen as much safer - this is especially true for younger drivers. Firms have even set up with the specific purpose of offering cover to women, with the likes of insurance firm Sheila’s Wheels making the most of their better claims history.

But the days of cheaper premiums for women are numbered, thanks to a European Court of Justice ruling, which says insurers cannot charge men and women different premiums because it constitutes discrimination.

The change came into effect on December 21 2012 and the younger you are, the bigger the impact.

So, with both men and women under 25 in the same boat for the first time, here are some tips to secure your cheapest car insurance option.


  • Young women's car insurance 'will rise' by £300 - but men could see a £180 drop as EU gender ruling hits
  • Women's car insurance premiums to rise but a third remain 'unaware'
  • Car insurance premiums driven down 2.9% in three months

Tricks and traps: How to get better car insurance offers

- Compare prices Use an online comparison service to do the hard work for you. Put in your details and check the prices that come up. You can alter the excess that you are willing to pay and the mileage you will drive and get new quotes. Also check the insurers that don't feature in comparison sites, the big two are Direct Line and Aviva. This is Money's car insurance search is powered by MoneySupermarket and will search more than 130 insurers for you. Try it out here.

- Haggle! The car insurance market is notoriously competitive. Once you've been on This Is Money's comparison and found your cheapest price (below), get on the phone and start bargaining!

- Avoid paying monthly charges - direct debit installments generally come hand-in-hand with high interest rates. An alternative is to borrow the money on a 0 per cent purchase credit card and then clear it within a year. [Check the best 0% purchase credit cards here]

- Think outside the box: An accelerated no-claims bonus, such as Admiral's Bonus Accelerator, could give you a year's no claims bonus after just 10 months.

- Or, if you've previously been insured as an additional driver on another policy, see if you can transfer a no claims bonus to your own insurance coverage. Some insurers do this, including Direct Line.

- Try for a discount by insuring two or more vehicles between friends or family members with the same firm.


AA drivesafe
- Anti-theft tracker installed in your car for free
- Online drivesafe dashboard 24/7 to check your score
- Courtesy car while yours is repaired
- Dedicated UK claim line available 24/7
- Free telematics device and free installation
- Curfew and non-curfew policies available
- Locate your car if it's stolen

Co-op Young Driver Insurance

- Free box and installation

- Online dashboard to check your driving

Hastings smartmiles
- Telematics box to measure your driving style
- Comprehensive insurance policy including windscreen repair
- Theft tracking
- Courtesy car while yours is being repaired
Bell from Admiral
- Free tracker with 24/7 theft hotline
- Access to personalised online driver dashboard
- 24/7 accident and glass repair helpline
- Courtesy car while yours is at an approved garage
- Premium fixed for the year with no curfews and no fines
- Acts as theft tracking device
- Dedicated UK claims line available 24/7
- Courtesy car while yours is being repaired
- Free telematics box/theft tracker installed
- Driving profile saved on your personal online portal
- Comprehensive policies

Blackboxes - Pay how you drive

If you are a good driver, and are happy to prove it, you could get money off by installing a telematics device, or ‘black box’, which monitors how you drive. 

As an example, The Co-op's young driver insurance policy includes fitting a box into 17-25-year-olds' cars to monitor acceleration, braking, cornering and time of driving.

It then charges for insurance every 90 days, taking into account any discounts or loadings.

Although bad driving could see your insurance cancelled, research carried out on behalf of the Co-op claims the service benefits young drivers who drive well, with 82 per cent of young drivers saving claiming a safer driver discount.

Pay when you drive

The system is simple: A tracking device is fitted to your car and the less you drive, the less you pay - another option for young drivers looking at ways to keep costs to a minimum.

iKube is aimed specifically at 17-25 year-olds, who don't often drive between 11pm and 5am, with fees charged for driving outside of hours.

Those that choose Insure The Box pick either a 6,000 or 8,000 mile per year policy, but earn extra miles by driving safely - or buy more online.

Coverbox also offers a 'pay as you drive' scheme. Although not specifically aimed at young drivers, it does offer some under 30s £50 cashback.

For low mileage drivers these schemes can cut costs, especially if you don’t drive at night (11pm - 5am), when the price per mile is bumped up.

Dos and Don'ts

DO compare prices for third party and fully comp. Although third party insurance should be cheapest for young drivers as it offers a lower level of cover, this isn't always the rule.

Check BOTH using our comparison table (below).

DO think about adding a second or even third driver to your insurance, especially an older more experienced one. This can even out the average risk - which could mean cheaper insurance of up to £1,000.

Although the obvious people to add are those with a long track record of good driving, you may be surprised - anyone that's in a lower risk category than you can help. Younger drivers with a job perceived by insurance firms to be lower-risk can shave off pounds from your premium - strangely, some claim adding younger siblings, on a provisional license, helped to cut costs.

DON'T confuse this with 'fronting', which is illegal - see below.

DO see if you can get cashback via a cashback website to reduce the cost.

DO, once you’ve tried our comparison site, check specialist young driver policies to see if they undercut them. And:

DO try a specific young driver broker. Swinton's Young Driver Insurance is worth checking out, as are A Plan, Thames City, Only Young Drivers, Adrian Flux and Endsleigh.

DO check your occupation. When you are asked to give your job title in the application process, there may be a number of options that apply to you so try them all to see if it makes a difference. But bear in mind that if you choose an occupation that couldn’t reasonably apply to you and is likely to be considered fraudulent, your cover could be invalidated.

Want to see prices now? Use our car insurance checker HERE.

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The more powerful your engine, and the more changes you make to your car (unless they are for security), the more you'll be charged.

But, if you are under 25 and you just can’t imagine life without your high-powered SUV, or a sporty little number,here are some suggestions to avoid insurance premiums high enough to make Donald Trump weep.

•    Shop around - comparison sites can be good for standard risks, but a young driver with a powerful car will not tend to do as well on these sites, compared to a specialist broker who has negotiated a scheme specifically for this market (examples below).

•    Will you only drive a few thousand miles a year? Try a limited mileage policy.

•    If you've passed your test recently, get yourself a PassPlus, IAM or Max Driver qualification and then insurance firms, such as Adrian Flux could knock off up to 25% - which means hundreds of pounds for teenage drivers. Many councils offer discounts of up to 50 per cent on the price of the course. Visit Direct Gov for more information.

•    Got mods? Make sure you tell your insurance firm about all modifications to your vehicle, and check how they would affect your price before you do them, even if they don't enhance performance. If you don't, your insurance could be invalidated. Some mods might even reduce your premium.

•    If you've been riding a moped, scooter or other motorcycle, ask if you can transfer your no claims bonus to your car policy.

•    Are you in an owners club or online forum? If not, think about joining one. From an insurer's perspective, people who are enthusiastic about their car and learn all they can about it will take better care of it. Even better, discounts can be as much as 15 per cent.

•    Keep your car garaged if you can. Fitting a security device such as an alarm or an immobiliser will also lower your insurance bill, sometimes substantially.

•    Don't be a teen racer The more points you have on your license, the higher the cost of your insurance. One speeding conviction could bump up your premium by around 10 per cent, but two may cost you up to 25 per cent more. If you have a conviction for using a mobile phone while driving, it can increase your premium by a whopping 50 per cent.

•    Don't go for a modern car if you want something a bit less ordinary Insurance premiums for 'classic cars' are often discounted, although running costs may be higher.

For example, managing director at insurance consultants Osborne & Sons David Button, recently charged £677 for a young driver's two-litre Westfield sports car.

The driver, a 23-year-old from Norfolk, was prepared to drive no more than 3,000 miles a year. He could also have been entitled to a 10 per cent discount for being an owners club member.

However, Button was keen to make clear all circumstances are different.

Classic car insurer Footman James has recently launched its young enthusiasts policy. If you can prove you are not just looking for a cheap policy and you have a genuine interest, those as young as 17 can get a cheap insurance policy on their classic.

So, despite the challenges, reasonable prices for modified or powerful vehicles are achievable; quotes provided to this Is Money by specialist car insurer Adrian Flux also demonstrate that investing in your street cred doesn't have to decimate your bank balance.


24-year-old with four years' NCB, no accidents or convictions and living in a 'medium rated' area.

For a Vauxhall Corsa 1.0

Comprehensive cover: £550 with £400 excess
Third party fire & theft (TPFT): £370 with £250 excess

For a BMW 320

Comp: £900 with £500 excess
TPFT: £580 with £350 excess

Spokesperson Matt Ware adds: 'Anything that increases the power output of the car will attract a commensurate increase in premium. Examples would be chipping, exhaust systems, air filters etc. So if you increase the power by 20%, expect a 20% load.'

Other examples include HIC Insurance's modified car quotes, below. 


Peugeot 306 XSi

Modified: Alloy Wheels,

Exhaust, Lowered Suspension,

Bucket Seats

Male: 21

Postcode: CM23

Car value: £3,500

3 Years NCB

£533 fully comp


Fiat Punto

Modified: Alloy Wheels,

Body Kit, Clear Lights,

Rear Roof Spoiler

Female: 19

Postcode: CM7

Car value: £4,000

Zero NCB

1 SP30 conviction

Parents and fronting:  Remember the small print

- Unsuspecting mums and dads looking for cheap deals could find themselves facing court proceedings for ‘fronting’ –  WHICH IS ILLEGAL - if they falsely declare to insurance companies that they drive their car more than their son or daughter.

The consequences can be serious as fronting invalidates insurance and can lead to prosecution.

Insurance companies may even refuse point blank to add a youngster to a policy if they believe he or she is intended as the main driver. It could also cause huge headaches if a claim is made - with some firms refusing to pay out.

- One option for parents looking to cut costs is to add under 25s to insurance policies on a temporary basis - from one day to a few months - if they are visiting or at home from university. Short Term Car Insurance Under 25, offer tailored policies for young drivers, but the AA and eCar Insurance also offer good short-term options.

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Learner drivers: What are the costs of insuring them?


Learning to drive puts enough strain on the parent/teen relationship as it is - and that's before they knock the wing mirror off your prized BMW.

One way to ease the strain is to take out a specific provisional driver policy, rather than adding a learner driver to parents' or friends' car insurance which can up the cost, and put no claims bonuses at risk.

Provisional Marmalade and Endsleigh do just this. Provisional Marmalade also has a logbook scheme which you can complete to get a £100 discount if you move to Young Marmalade when you’ve passed.


Auto Express has learned that black box insurance policies that track drivers’ behaviour via GPS don’t always offer value for money. 

Standard insurance policies can cost new drivers as much as £2,500 per year. Insurance based on black box technology regularly claims to knock up to £1,000 off these premiums, but our research found that this isn’t necessarily true.

• Cheapest cars to insure

The data we collected showed that black box policies are typically more expensive for students seeking third party insurance than traditional deals. Fully comprehensive cover for slightly older drivers with a black box tracker is slightly cheaper on average, though.

In many cases, drivers in their twenties - who are more likely to get fully-comp insurance - wouldn’t even save £100 a year by getting a black box deal. Insurers are also less likely to offer premium-saving black boxes to those over 25 in full-time employment.

Black box car insurance: the hidden costs

These mobile phone-sized black box devices attach under your car’s steering wheel or onto your dashboard. Satellite signals monitor your driving habits and the insurer uses this data to determine your insurance premium.

Factors such as how you brake and accelerate, your speed, distance travelled and even road positioning are taken into account. Drive well and you’ll save money but what lots of drivers don’t realise is that you could be fined if you drive badly.

• Most economical cars

A Daily Mail investigation discovered that drivers on black box policies could be fined for speeding, selling their car, switching insurance policy or breaching the contract’s small print.

They found that £100 penalties are issued in the most extreme cases. Insurers like iKube, for example, fine motorists £100 per night for driving during the policy’s 11pm to 5am curfew. 

Drivers can face black box penalties from day one. Missing an appointment to get the device fitted can leave you up to £100 out of pocket. Not having documents like a driving licence, MOT certificate and proof of ownership during installation can result in fines between £30 and £45. You’ll also have to pay to reinstall the black box if you buy a new vehicle.

Shop around for the best car insurance deal

Mike Powell, insurance analyst at research company Defaqto, says: “Black box insurance carries so many fees and charges, they need to be made much, much clearer.” 

“It’s very easy for drivers to be taken in by the technology, along with the promised drop in premiums, but they can end up paying out a lot more than they thought.”

• How to get cheaper car insurance

Despite these potential hidden costs, black box technology continues to grow in popularity as young drivers become increasingly desperate to save on their insurance bills. In 2009, this technology was only used on 100,000 live policies in the UK but today there are 296,000 cars with insurance black boxes on the roads.

Graeme Trudgill of the British Insurance Brokers Association said: “The rise of smartphone app technology will see sales of behaviour based products continue to increase.

“There are already many brokers offering conventional young driver products. Telematics provide another opportunity to save. BIBA’s message is to consider both types of policy.”

How black box cover premiums compare
   Without black box   With black box
17-year-old student (third party fire and theft) £1,875.14 (Bell)  £2,109.29 (Drive Smart)
17-year-old student (fully comp) £1,633.03 (Endsleigh)  £1,254.51 (Drive Like a Girl)
19-year-old student (third party fire and theft) £750.48 (Bell)    £1,346.25 (Drive Smart) 
19-year-old student (fully comp) £837.40 (Bell)         £821.95 (Hastings Direct)
21-year-old office admin (fully comp) £647.66 (Bell)          £564.80 (Drive Like a Girl) 
25-year-old teacher (fully comp) £513.77 (Endsleigh)      £522.58 (Tesco) 
30-year-old salesman (fully comp)  £475.63 (LV)           £718.21 (Wise Driving)


Black Box Insurance

Find out more about black box car insurance with iKube

There's been quite a bit of talk recently about black box or "telematics" car insurance for young drivers and it can be a little confusing.

To put it simply - iKube's black box insurance covers both young and learner drivers at a reduced premium. Statistically, 11pm - 5am is the most risky time to drive for young motorists and iKube can offer cheaper car insurance premiums if you avoid driving at these times. So we reward you for safer driving - simple!

With iKube's black box insurance we can offer young drivers between the ages of 17 - 25 the following:

  • Either fully comprehensive or third party fire and theft black box car insurance
  • The ability to earn your own no claims bonus (NCB)
  • We won't charge you per mile, unlike other providers
  • We keep it simple - one fixed annual fee or monthly price

So - if you're aged 17 - 25 and looking for affordable young driver or learner driver car insurance then drop us a line or request a call back and see how much you could save!

Get A Quote >

Cost and fitting

The iKube black box costs £174 with a renewal price of £99 - this also covers installation, the annual monitoring charge and RAC Roadside and Rescue breakdown. This cost is built into your young driver car insurance quote, we just like to be clear and transparent with our charges.  

iKube's little black box is discreetly and quickly installed by a professional engineer into the policy holder's car. The engineer can come to your home, place of work or place of study at a date and time convenient to you. Where the iKube box is fitted in the car and how long it will take will depend on the make and model of the car. It's usually fitted behind the dashboard or in the glove box and takes about 30 to 40 minutes to install. Don't worry, you are still insured to drive your car under our young driver’s insurance policy before the engineer calls. However, the iKube box must be fitted within the first 8 days of cover.

The black box uses GPS tracking technology that transmits a signal to advise iKube on driving behaviour and whether the car is being driven during the red hours, between 11pm - 5am. Should you or any of the named drivers on your young driver’s insurance policy driver during this period you will incur additional charges. This charge is not added to your premium and we will contact you to arrange payment.

If you buy a new car, the vehicles must be made available for the iKube engineers to remove the box and install it in the new car. Please note - the iKube unit remains the property of iKube at all times and a transfer fee will apply.

If you decide iKube is right for you, we can set the insurance up for you over the phone - just call us or request a call back!

Get A Quote >


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