First reported 19 Jun 2018•Latest report 8 Dec 2025
Definition
What this concern includes
Includes failures of controls specifically dedicated to using vehicle telematics or black-box monitoring to manage young-driver safety, including requirements for use, communication of safety implications to young drivers and families, and arrangements intended to use monitoring to reduce collision risk.
Not included
Excludes general young-driver licensing, passenger or driver-competence concerns where telematics or black-box safety controls are not identified.
Excludes generic insurer or broker communication deficiencies unless they concern communicating the safety-related use or implications of telematics.
Excludes vehicle approval, maintenance, road-infrastructure and enforcement failures unrelated to telematics-based young-driver safety controls.
Excludes neutral descriptions of telematics availability or insurance pricing without an identified safety deficiency.
Reports
2
Distinct published reports
Individual concerns
4
A report can raise multiple concerns
Date range
2018–2025
First to latest report issue date
Stated actions
7
Described in published responses
Reports over time
Reports over time
Reports about this concern issued each year.
* 2026 is projected from reports observed to 7 Sep 2026.
Most frequent recipients
Most frequent recipients
Reports about this concern sent to each recipient.
Department for Transport2
Association of British Insurers1
Brake1
Chartered Insurance Institute1
Driver and Vehicle Standards Agency1
Financial Conduct Authority1
Snap Group Limited1
Ministerial department2
Financial regulator1
Private limited company1
Professional membership body1
Registered charity1
Road and vehicle agency1
Trade association1
Concerns and responses across reports
Only concerns grouped under this recurring concern are included. Select any concern, action or position to view the source wording.
Coventry and Warwickshire
Concerns raised3
Unclear insurer processes for collecting, interpreting and acting on telematics data
Unclear communication of telematics use and safety implications to young drivers and families
Lack of a uniform approach to applying telematics
This report raised 16 other concerns. They are not shown here because they do not form part of this recurring concern.
Responses linked to these concerns
Each statement is shown once, even when linked to more than one concern.
Actions described in response An action is something a respondent says it has done, is doing, or plans to do in response to the concern raised.5
Action
Work with relevant stakeholders to promote consistent good practice in using telematics data to improve road safety.
Stated by Chartered Insurance InstituteStated plannedThe respondent said that this action was planned when they made their response on 18 December 2025.
Action
Publish guidance by the end of 2026 on behavioural change and proactive risk management, including collection, interpretation and use of data.
Stated by Chartered Insurance InstituteStated plannedThe respondent said that this action was planned when they made their response on 18 December 2025.
Action
Encourage effective and appropriate use of telematics data in the insurance sector.
Stated by Financial Conduct AuthorityStated in progressThe respondent said that this action was in progress when they made their response on 18 December 2025.
Action
Work with relevant stakeholders to promote consistent good practice when explaining and promoting telematics to young drivers.
Stated by Chartered Insurance InstituteStated plannedThe respondent said that this action was planned when they made their response on 18 December 2025.
Action
Work with insurers and road safety charities to promote telematics uptake and communicate its safety benefits to young and novice drivers.
Stated by The ABIStated in progressThe respondent said that this action was in progress when they made their response on 18 December 2025.
Respondent positions A position is what a respondent says about the concern when they do not describe a specific action.5
Position
Mandatory telematics and driver or road safety matters fall outside the regulator’s remit.
Stated by Financial Conduct AuthorityOutside remitThe respondent said that this matter was outside its role or authority.
Position
Government, through primary legislation, is responsible for decisions about requiring specific insurance product features or telematics.
Stated by Financial Conduct AuthorityRedirects responsibilityThe respondent said that another organisation was responsible for deciding or taking action.
Position
Prescriptive mandates on telematics technology or communications are unlikely to secure safer driving because telematics benefits require a broader range of measures.
Stated by Chartered Insurance InstituteUnable to actThe respondent said that a constraint prevented them from taking the relevant action.
Position
A purely self-regulatory agreement to require more young drivers to adopt telematics could be undermined by insurers opting out.
Stated by Chartered Insurance InstituteUnable to actThe respondent said that a constraint prevented them from taking the relevant action.
Position
The ABI and its members lack authority to mandate telematics adoption for all drivers.
Stated by The ABIOutside remitThe respondent said that this matter was outside its role or authority.
Staffordshire South
Concerns raised1
Lack of compulsory black-box monitoring for young drivers
Responses linked to these concerns
Each statement is shown once, even when linked to more than one concern.
Actions described in response An action is something a respondent says it has done, is doing, or plans to do in response to the concern raised.2
Action
Investigate whether telematics can reduce young-driver collision risk through the Driver 2020 research programme.
Stated by Department for TransportStated in progressThe respondent said that this action was in progress when they made their response on 8 July 2018.
Action
Trial five Driver 2020 interventions with learner and novice drivers, including telematics, hazard-perception training, practice logging, mentor agreements and classroom education.
Stated by Department for TransportStated plannedThe respondent said that this action was planned when they made their response on 8 July 2018.
Respondent positions A position is what a respondent says about the concern when they do not describe a specific action.2
Position
The decision to adopt telematics currently rests with the motor insurance policyholder.
Stated by Department for TransportRedirects responsibilityThe respondent said that another organisation was responsible for deciding or taking action.
Position
Compulsory telematics will not be introduced because there is insufficient evidence that it would reduce young-driver collision risk.
Stated by Department for TransportUnable to actThe respondent said that a constraint prevented them from taking the relevant action.
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Includes failures of controls specifically dedicated to using vehicle telematics or black-box monitoring to manage young-driver safety, including requirements for use, communication of safety implications to young drivers and families, and arrangements intended to use monitoring to reduce collision risk.
