If you’ve recently passed your driving test, it’s likely that you may see a higher premium for your insurance policy than others of your age as insurers may see your lack of experience as higher risk. But your age might also work in your favour on this occasion as premiums for a new driver in their 40s tend to be lower than for teenagers. Black box insurance can be a great way to keep costs down, but you might still get a great deal without. I’d recommend using a price comparison site to shop around before committing to a policy with or without black box car insurance.