Telematics policies use driving or mileage data as part of pricing or ongoing policy management. They are available to some experienced drivers as well as younger motorists, and the saving depends on the insurer's rating method.

How insurers commonly treat this

• Policies can monitor mileage, speed, acceleration, braking, time of travel or other driving behaviour.
• Some use a fitted device and others use a smartphone app.
• Installation, removal or device-replacement charges can apply.

What the quotation may ask for

Quotation forms use the information supplied to determine which insurers can offer cover and on what terms. Where the available answer does not accurately describe the circumstances, the insurer or comparison provider can clarify how that information is recorded.