‘It’s still the case that the price quoted by your insurer is not necessarily the best you can get’

Cost of living crisis and rising energy bills placing households under strain and forcing consumers to take closer look at financial viability of green motoring

Billions of miles have been driven on Britain’s roads this decade in cars fitted with “telematics” boxes recording every detail of a driver’s behaviour – whether they are speeding on a 30mph urban road, how they are cornering on a country road, and how they are braking or accelerating on a motorway.

Installed in about 1m cars by insurance companies, they offer drivers – usually 17 to 25-year-olds – less costly insurance if they drive more carefully. But the telematics black boxes also reveal a wealth of data about how Britain drives - debunking a lot of modern myths, but confirming many others.

Association of British Insurers says chancellor should resist further increases to insurance premium tax, which has doubled since 2015