Answer: It can, but there is no automatic discount. Renewal can still move because of claims, the car, your address, market prices and the insurer’s view of your driving data.
Treat renewal as a fresh buying decision
Do not assume loyalty will be rewarded simply because your score was strong. Ask what your existing insurer wants for another year, then compare that figure with both telematics and ordinary policies elsewhere. Your first year of black-box driving may have improved your options even if the same insurer is no longer the cheapest.
A good year helps, but it is not the whole calculation
A year of smooth driving can give an insurer useful evidence about you, but renewal prices still reflect far more than the driving score. Claims costs, repair prices, the vehicle, your address and changes in the wider insurance market can all move the premium up or down.
Compare car insurance options
Powered by Quotezone
We are an introducer appointed representative of Seopa Ltd (FCA FRN: 313860). Seopa Ltd, trading as Quotezone, provides the insurance comparison service and we receive a commission for any policies purchased, at no cost to you. We do not offer financial advice.