Can you have black box insurance without a curfew?

Yes, you can get black box car insurance with no curfew. While some insurers restrict the hours you can drive, others allow you to drive at any time.

However, even if your policy has no fixed curfew, driving late at night could still affect how your driving is assessed, depending on your insurer's rules.

If you work night shifts, regularly travel early in the morning or occasionally drive home late, it’s important to check the terms of a policy before you buy. There are options to suit different routines, but not every policy will be right for you.

What is a black box curfew?

A black box curfew is a restriction on when you’re allowed to drive under your car insurance policy. If your insurer applies a curfew, you may be required to keep your car off the road during specified hours.

Black box curfew times vary between insurers and policies so you should always check whether any restrictions would affect your usual routine, including journeys to work, essential travel and occasional late-night trips.

Can you drive at night with black box insurance?

Yes, with some policies you can drive at night with black box insurance. If you regularly drive after dark, check with your insurer whether there are any restrictions on when you can travel.

You should also ask whether driving at night affects your driving score or premium. Some policies may consider journey times as part of their assessment, even when there are no restricted driving hours.

This is particularly worth checking if you work shifts, travel early in the morning or need flexibility for occasional late-night journeys.

What happens if you drive after your curfew with a black box?

The consequences will depend on whether your policy actually prohibits driving at those hours. If your policy has a contractual curfew, driving during restricted hours could breach its terms.

Your insurer may then take action in line with the policy wording, so check the rules before driving. Depending on the policy, potential consequences of breaching its terms could include:

• A warning from your insurer: Your insurer may contact you to explain that you've breached a policy condition.
• Changes to your policy: Your insurer may choose to change your policy if you frequently break your curfew.
• Cancellation of your policy: In some circumstances, a breach could lead to cancellation, depending on the seriousness of the breach.

Does Marshmallow Move have a curfew?

Marshmallow Move is our telematics car insurance plan. It uses a small Bluetooth Tag that connect with the Marshmallow app to collect information about your driving, including speed, braking, acceleration and journey distance.

There is no curfew with Marshmallow Move. What’s more, you’ll get insights on your driving and tips to stay safe on the road.

Get a quote today to see what you could save with telematics car insurance.

Find black box insurance that fits your routine

A black box curfew doesn't apply to every telematics policy. If you need to drive at night for work, social plans or other commitments there are still telematics options available to you.

Compare the policy terms carefully to find cover that suits your lifestyle. Remember to check both whether you're permitted to drive at certain times and whether the timing of your journeys affects your driving assessment. These are two different things, and understanding them can help you make a more informed choice.