Wednesday, 22 February 2012

Student Car Insurance - Telematics Worth Considering

As a student your main focus (other than study) is on saving money. Now you have rent, utility bills and food bills to worry about the last thing you want to concern yourself with is car associated costs - namely student car insurance.

Having your own car as a student will undoubtedly give you that independence you desire. In spite of this the cost of student car insurance can be pretty pricey.

This is why so many students are turning to telematics car insurance specialists in an effort to reduce the cost of cover (without reducing the cover!).

If you're a student then telematics or black box insurance could be ideal. Here's why:

iKube's student car insurance works in a very unique way. iKube installs a mobile phone sized black box device under the dashboard of your car to monitor and record aspects of your driving.

The black box device simply records the time of day you are driving. This is the only real restriction on your policy. iKube ask that you do not drive between the hours of 11pm - 5am (the red hours) as this is the most dangerous time  to drive. Did you know that the majority of serious accidents happen at this time for 17 - 25 year olds? This is why we ask that you don't drive during the red hours - we want you, the student driver, to stay safe whilst on the road.

As long as you can agree to the terms of iKube's student car insurance we can offer you a discount (by up to 25%) on your car insurance.

Did you know that we also take into consideration student drivers who have a pass plus qualification? If you have pass plus you may be entitled to further discounts on your car insurance.

But it doesn't end there. When it comes to renewing your policy iKube also takes into account other aspects of your driving - such as speed, braking patterns and harshness of acceleration. These elements are all recorded by the telematics monitoring device in your car. As long as you have demonstrated that you are a safe and careful driver during the term of your initial policy you could be entitled for a discount of up to 40%.