Does my black box insurance have a curfew?

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Last updated: 19 August 2022

Late night is the most hazardous time to be on the roads due to the darkness, low visibility, and fatigue and sometimes intoxication of drivers. According to government data, accidents are more likely between the hours of 9 pm and 4 am. That’s why black box insurance policies reward drivers who avoid overnight driving, and otherwise display safe driving, with discounted premiums. But do any black box policies have an actual curfew?

No. Rewarding you for driving at certain times is different from setting a curfew. Car insurance providers won’t prevent you from driving at night or fine you for doing so. In fact, the occasional late-night trips likely won’t have any impact on your insurer’s assessment of your driving and your premiums.

However, if you’re driving late at night multiple times per week, perhaps because you work late or socialise frequently, a black box policy might not be appropriate for you. It’s likely your schedule will prevent you from achieving the best discount available.

But not all insurers will have the same policies. So if you are a night owl, it’s worthwhile to ask insurers how they regard late-night driving and how it will impact your black box premiums.