3 gadgets that could SLASH 30 per cent off your motor insurance premiums

Car related accidents can end up emptying your wallet – statistics from earlier this year claim that average car repair costs have gone up by a third in the last three years to £1,678. This can be concerning, especially when you consider that regardless of how prepared you are as a driver, you cannot account for the driving behaviours of others on the road.

However, whilst preventing accidents is a difficult beast to tackle, tools to soften the blow can come in smaller packages than you might realise. In this blog, we’ll run you through numerous gadgets you can use to get you cheaper car insurance and avoid a huge pay-out.

Black box

A black box is provided by your insurer via a ‘telematic policy’ and usually takes around an hour to be fitted. It’s as small as the smartphone in your pocket, doesn’t interfere with your driving capabilities and collects data about your journeys – such as the time you drive, your average speed, when you brake, your total mileage etc. Benefits to having it installed in your car range from garnering bonus miles every month, giving you better insurance deals and EVEN acting as an anti-theft device.

Dash cams

Dash cams don’t record data in a static, measurable way like black boxes – but they do record everything that you see on the road. This is incredibly helpful when you are involved in a car crash that wasn’t your fault, as the dash cam records and collates visual proof of your innocence. Dash cams are also perfect for younger drivers, who are less experienced and therefore more likely to be in a car accident. Some insurers offer 30 per cent off premiums to younger drivers, if they install a dash cam in their car – a very lucrative offer.

Alarms or immobilisers

Security is a critical issue for insurers, as a stolen vehicle can lead to a substantial insurance claim. A study by GoCompare found that several comprehensive car insurance policies offer discounts if either an additional alarm or an immobiliser is installed into your car. Alarms are self-explanatory; however, immobilisers are useful devices that prevent your engine from starting unless the correct car key is present. Even if you disregard the discounts, maintaining tight security of your vehicle will prevent your car from being stolen and possibly damaged beyond repair.

If you want to avoid paying out huge amounts for insurance premiums, or undeniable proof of your innocence the next time you get rear-ended – then these options are the correct investment for you.