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History. Widespread use of the automobile began after the First World War in urban areas. Cars were relatively fast and dangerous by that stage, yet there was still no compulsory form of car insurance anywhere in the world.

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Black box ‘telematics’ car insurance bases your policy premium on how you drive. Find out how black box insurance works, see which insurers offer black box insurance, and everything you need to know about black box cover.

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If you’re a young or inexperienced driver, you can be considered a higher risk for insurance providers. But if you genuinely share your car with an experienced driver, you could reduce the cost of your premium by adding them to your policy (as long as they have no previous claims or convictions).

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Insurance is a means of protection from financial loss. It is a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss. An entity which provides insurance is known as an insurer, insurance company, insurance.

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