There has been huge interest (and differing opinions) in the advent of telematics in a bid to reduce the premiums and accident frequency. Some embrace the technology that records driving behaviour but a significant number of drivers still do not. Some providers will only provide cover if there is a “black box” in place. The taxi and minicab insurance market suffers from similarly high premiums despite the fact that the market has tightened up on due diligence and information on drivers and the average driver age is not under 25. So is there a case for voluntary or even compulsory fitting of telematics? Some do not like the Big Brother argument and there is a suspicion that there are hidden agendas. Others will positively welcome these devices that lowers premiums, particularly those drivers that work only during the daytime on motorway contract airport runs and the like. These drivers tend to get cheap taxi insurance or cheap minicab insurance anyway. So is there anything wrong with the installation of these devices when there is a real prospect that they will encourage safer driving and raise standards? If they lower premiums at the same time, the pluses do remaining compelling. It will be interesting to see how the insurance market evolves with these devices and whether it will encourage new insurers to enter the market and make a profit, the cheaper private hire insurance and cheap public hire insurance markets so desperately need.