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This is the ultimate review to guide you through Insure the box car insurance.
You might already know that Insure the box offers several car insurance policy options.
Some are great, others not so much.
So if you want to get:
Let’s dive right in.
Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.
We’ve studied in detail Insure the box car policy terms and conditions and given our own ratings based on different criteria.
4 Safe overall rating for Insure the box
To check if Insure the box is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.
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Insure the Box offers a comprehensive level of cover for Black Box Insurance which is the only insurance product that they offer.
We would advise you to go through the policy documents and T&C’s document carefully so as to understand what you’re covered for and what you’re not covered for in order to avoid disappointment future.
Keep in mind that you can always add optional extras to your policy.
Let's find out what does Insure the box covers in its car insurance policy.
Insure the Box offers 3 levels of Breakdown Cover:
Level 1- National Cover: this breakdown cover comes with the following benefits:
Up to £1500 for replacement of locks or keys in case of loss or theft of keys within a period of insurance.
Windscreen Cover as a policy upgrade is not available. It is included as a standard that comes with the insurance policy. It covers the repair or replacement of your windscreen, sunroof and windows as well as the repair of bodywork that may have been damaged by the broken glass.
Up to £100,000 of legal costs in case you are involved in an accident that is not your fault is included as a standard.
Personal Injury Policy is available as a standard and covers up to £7500 if you, your spouse or civil partner is injured, lost a limb above the wrist or ankle, or total sight in one or both eyes.
Up to 90 days of coverage when traveling abroad is available as a standard. However, it is important to note that the cover is Third Party Only and not the same level of cover that you get while in the UK. To get the same level of insurance as your policy, you’re going to have to get an Extended European Cover.
Abroad cover is available for the following countries: Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, The Channel Islands and The Isle of Man.
Since Brexit, the country is currently at a transitional period. So far, you don’t need a Green Card to travel to EU countries but it is important to always check with your insurer in cases there have been any changes.
Insure the Box offers a hire vehicle cover option called Courtesy Car Cover Plus. This cover comes with the following benefits:
Your NCB will keep increasing every year provided you don’t get yourself involved in any incident that may require you to file for a claim or have a claim filed against you. You can also opt for an NCB protection cover at an additional charge.
If you’re involved in an accident that was your fault, your NCB will be affected. If the accident wasn’t your fault, your NCB will not be affected provided that Insure the Box is able to recover all costs from the responsible party.
Claims on the following will not affect your NCB:
At Insure the box, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.
NCB protection claims (number per year): 2 claim in 5 years.
A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium.
