Most of these worries are unfounded. Black boxes don’t transform insurers into worried parents, setting a curfew and then punishing you if you stay out past it. Insurers recognise that although night-time hours are the riskiest for driving due to the darkness and driver fatigue, sometimes driving late at night is necessary. Very few black box insurers will set an official curfew and hand down fines if you break it.
However, it may be the case that if you drive late at night regularly, the savings you earn with a black box policy will be limited. This is different from an official curfew. Additionally, the time of day you drive is just one factor that influences your driving score and your premiums. If you frequently drive late at night, for instance, if you work unusual hours, an insurance policy without a black box may be more suitable, simply because you can’t earn the savings you’d expect.
But insurers all have different policies about night-time driving and its importance in calculating your premiums. If you have questions about a specific black box insurance product and its policy on night-time driving, read up on the terms and conditions and contact the provider for more information.