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I thought my experience with my insurance could possibly help some out there, so this is about the dreaded 'black box'.. I passed my driving test 3 months ago, and have a seat arosa, 1.0. All my insurance quotes for 3rd party fire and theft was £1500+ ... Finally called axa and they offered me the box, and with this I got fully comp, all the cover ever needed, and for £1060... So after really not wanting the box, I went for it. The installation was free, and didn't get put in, till 2 months after my cover start date, and in the last month, I got 94%, in the breakdown, I got 100% on pace, and was in the 90's on the rest... So for my first year insurance, (being 20 and female) and starting my own policy. I think the box is a great idea... If it's mega savings, then go for it! But would really say, it's great for us new drivers! And to get 10% of money back, the overall score needs to be 77%+... Hope this may help! Also, I declared my alloys I put on the car recently, and didnt cost me a penny. Fair enough, I was only allowed to go 2inch smaller or bigger, but I was only going for 14" to 15". So had no trouble at all!