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Norwich Union Car Insurance

Norwich Union trials a little black box that may be all you need to reduce your car insurance costs. It all depends on your driving habits - read on for more details.

Almost a quarter of customers who took part in the pilot scheme run by Norwich Union would have saved up to 30% compared to the cost of their premiums for a more conventional Norwich Union car insurance product. Not everyone drives the average 10,000 miles per year and there are many drivers who clock up modest yearly mileage of 6,000 miles or less. If you use public transport for the commute to work, or drive outside peak hours, you may be able to save a considerable sum by changing to this form of insurance.

The pilot scheme was obviously rated a success and Norwich Union are confident enough to make pay as you go available to all their customers. The company says that they consider that at least 50% of British drivers could well make the switch over the next few years.

The scheme involved the use of satellite tracking technology and the result is the new "black box insurance. A small black box will be fitted to your car and you will pay a fixed monthly basic premium, which will be based on your own personal details, together with those of the vehicle. On top of this there will be a variable premium to pay each month, based on vehicle usage and calculated on their personalised tariff of an agreed amount of pence per mile. (mortgage insurance)

For older and more experienced drivers, theres a standard "Pay As You Drive" package which consists of comprehensive cover with the handy and free addition of an assistance button, which means you have 24 hour access to roadside assistance should you break down of be involved in an accident, wherever you may happen to be. This could be a big advantage to unaccompanied drivers. The technology makes it simple to add satellite navigation and speed-warning aids and these are offered free for a trial period, for users to judge their usefulness available as an extra.

Each month you will receive a monthly bill showing your premium for that period. For those who want it, itemised billing is an optional extra. This would allow you to assess how the pattern of your driving affects your car insurance premium. It shows details of all journeys of half a mile and over which youve made during a billing period. (house insurance)

There are two different types of this insurance, each aimed at different age groups of drivers. In actual fact a limited number of under 21 year olds have trialled this method since 2005. (home insurance)

More information on car insurance from Norwich Union