Telematics Car Insurance
Competitive cover for young & first time drivers
Request a CallbackWhat is Black Box Car Insurance?
Black box car insurance, also known as telematics insurance, uses a small device installed in your car to monitor how you drive. The device tracks driving behaviour such as speed, braking, acceleration, and cornering. With An Post Insurance's BoxClever product, this data is used to calculate a driving score that may contribute to more competitive premiums at renewal. BoxClever is designed for young and first-time drivers with 0 years No Claims Bonus, and includes unlimited mileage as standard. BoxClever Car Insurance is underwritten by AIG Europe S.A.
Typical BoxClever Cover Options
BoxClever can be offered as either comprehensive cover or third-party, fire & theft depending on the policy you choose suitable for your needs.
What is BoxClever Black Box Insurance?
BoxClever is a telematics-based young driver car insurance policy that uses a small “black box” installed in your car to monitor driving behaviour in real time. The device then collects a range of data about your driving. This data typically contains
- Your speed
- Smoothness of accelerations/braking
- Sharpness of turns
- The length of your journeys
- How often you drive
How does Black Box Insurance help young drivers?
Young and first-time drivers typically face the highest car insurance premiums because they have no driving history for insurers to assess. A black box changes this by giving the insurer real data about how you actually drive, rather than relying on statistics about your age group.
With BoxClever, safe driving is rewarded directly:
- Your driving score is built over time: Based on speed, braking, acceleration, cornering, and time of driving.
- The higher your score, the more competitive your renewal may be: Safe driving is taken into account at renewal and may contribute to a more favourable premium, alongside other rating factors.
- You can track your progress: Through the 'Rate My Driving' portal, you can see your driving data, journey summaries, and scores at any time.
- You build a No Claims Discount (NCD): Every claim-free year builds NCD, which you can carry forward to any future policy.
- Unlimited mileage: BoxClever does not cap how far you can drive, so there is no penalty for commuting or longer trips.
Black Box Insurance: what parents need to know
If your child is about to start driving, black box insurance offers reassurance as well as savings. Here is what parents should know:
- Safer driving habits: The black box encourages new drivers to develop good habits from day one. Knowing their driving is being monitored makes many young drivers more careful on the road.
- Visibility into driving behaviour: Through the Rate My Driving portal, you can review journey data and driving scores together, giving you insight into when and how your child is driving.
- Financial incentive to drive well: Safe driving is taken into account at renewal and may contribute to more competitive premiums, giving young drivers a clear motivation to develop good habits from day one.
- Peace of mind after an accident: If an accident occurs, the black box data can help establish what happened, which can be valuable for claims.
Who installs the black box and how does it work?
After you purchase a BoxClever policy, a trained mechanic will contact you to arrange installation of the black box device in your car. Installation is free and typically takes place shortly after your policy start date. You are fully insured from the moment your policy begins. You do not need to wait for the box to be installed.
The device is small and fitted out of sight inside the vehicle. It does not affect your car's performance, systems, or electrics. Once installed, it automatically collects driving data and transmits it to your insurer.
Black Box Telematics Car Insurance for new, young & first-time drivers
Safer driving can help you work towards more competitive premiums with thanks to BoxClever - rewarding how you drive.
Black Box Car Insurance Benefits for New Drivers
BoxClever Car Insurance has different cover and limits from the standard An Post Insurance Car Insurance product, so please make sure you’re reviewing the cover options and limits as set out in the An Post Insurance BoxClever policy documents.
Rewards for Safe Driving
Tracks your driving in real time through telematics and builds a driving score that reflects how safely you are on the road. The safer you drive, the more competitive your renewal premium may be.
Built-In Theft Tracking
The BoxClever device includes a tracking function to help locate your car if it’s stolen. It can also support quicker intervention after an accident by providing accurate incident data.
Windscreen Protection
If your windscreen is cracked or chipped, repairs can be arranged quickly and easily. Windscreen cover is unlimited when you use an approved repairer, or up to €225 if you use your own. €40 excess applies for windscreen replacement claims.
Accident Alert System
If the device detects a significant impact, it can trigger an alert that helps ensure you get prompt assistance, providing added reassurance when you need it most.
Fire Brigade Services
We’ll be there to help if the worst happens, with call-out charges covered for insured events, up to €1,500.
Get a Courtesy Car
If your car is damaged in an accident and is being repaired by an approved repairer, you can receive a courtesy car to keep you mobile and minimise disruption to your daily routine.
Policy terms & conditions apply. Please refer to your policy documents for full details.
Are there any disadvantages to black box insurance?
Black box insurance is not for everyone. Here is an honest look at the advantages and disadvantages:
| Advantages | Disadvantages |
| Safe driving may contribute to more competitive premiums at renewal, especially for young and first-time drivers. | Your driving is monitored continuously, which some people find intrusive. |
| Encourages safer driving habits from day one. | Poor driving habits such as harsh braking or speeding could result in a higher renewal premium. |
| Unlimited mileage with BoxClever, no kilometre cap. | The device must be installed in your car, which requires an appointment. |
| Track your driving data and improve your score over time. | BoxClever is primarily aimed at young and first-time drivers and may not suit all drivers. |
| Accident detection and GPS data can help support claims. |
Do black boxes reduce accidents and claims?
Research suggests that telematics policies are associated with safer driving behaviour and fewer claims. A 2022 Insurance Research Council study found that 45% of drivers in telematics programmes made significant safety improvements, while a further 35% made smaller positive changes. The mechanism is straightforward: when drivers receive ongoing feedback on their behaviour and know it may contribute to more competitive premiums, they tend to develop better habits. For young drivers in particular, who face the highest accident rates, this feedback loop can be genuinely beneficial.
An Post Insurance's BoxClever product reinforces this through the Rate My Driving portal, which gives drivers ongoing visibility into their performance and tips on how to improve.
How do I make a claim on my BoxClever policy?
If you need to make a claim on your BoxClever policy, the process is the same as for any An Post Insurance car insurance policy:
- Call the claims number for your insurer: This will be on your insurance policy documents.
- Provide the details of the incident: The date, location, and circumstances, plus any other driver's details if relevant.
- Your black box data may be used: Telematics data from the device can help establish what happened during the incident, which can support your claim.
We value your feedback
The staff that looked after my renewal were all excellent. I was changing my car a few days before renewal and they took care of everything. They helped me with my payment (I was stressed at the time) and were so patient. Overall, very happy with the service. Janette 1st - Mar - 2026
How Black Box Insurance Works for New Drivers
Call us for a Quote
Request a quote for BoxClever by calling 090 648 7255, our friendly team will take you through the quotation process and answer any queries you may have. We understand that getting your first Car Insurance policy can be a little daunting.
Black Box Installation
When you purchase the policy, you can start cover while you wait for your black box to be installed. AIG will arrange for an approved installer to call out within 14 days to fit the black box in your car at no extra cost.
Safe Driving Data
Use your MyAIG ‘ratemydriving’ portal to track driving data and monitor how you’re doing. Over time, as you accumulate safe driving data, your renewal premium could reflect your driving behaviour rather than just your profile.
Black Box Insurance FAQs
BoxClever is a telematics product, so the black box is a core part of the policy. If you prefer not to have a device installed, An Post Insurance offers standard Young Driver Car Insurance as an alternative.
No, the device is designed to have no effect on your car's battery, systems, or electrics.
Yes, you can log in to the Rate My Driving portal to view journey summaries, distance driven, and scores for each safe driving criterion including speed, braking, acceleration, and cornering.
If you sell your car or cancel your policy, contact An Post Insurance to arrange removal of the black box device. The device remains the property of the insurer.
BoxClever is primarily designed for young and first-time drivers, and is best suited to those with 0 years No Claims Bonus. It isn't limited to this group, though, and other drivers may also be eligible. If you already have some No Claims Discount built up, it's worth comparing BoxClever against our standard Car Insurance to see which offers better value for your circumstances.
BoxClever features and benefits differ from standard Car Insurance Policies and do not include Breakdown Assistance. Check your BoxClever policy documents for the specific benefits included with your cover.
Need Help?
An Post Insurance BoxClever Car Insurance is underwritten by AIG Europe S.A.
