How teens' auto insurance premiums can move up even when they're driving BELOW the speed limit

INSURERS are using black box data to penalise teens even if they're driving Underneath the speed limit.

Some telematics firms are utilizing sneaky calculations to measure young drivers against experienced motorists instead of legal limits.

Average road speeds are being recorded and when new drivers are located to be regarding this, they'll obtain a bad score on their own black box history.

It means a teen might be driving underneath the limit by as much as 15mph but still obtain a poor rating if it's over the norm.

These bad ratings tally up and can lead to increased premiums – despite the fact drivers haven't broken what the law states.

Insurers are mainly targeting speeds on rural A and B roads because of the large number of road deaths.

Department for Transport figures show 82 per cent of all young driver deaths occur on B-roads yet account for just 42 per cent of journeys.

Telematics experts Quartix told the Daily Mail national speed limits on these roads give drivers a "false feeling of security".

Andy Walters, managing director at Quatrix, said: "Speed limits are a terrible indicator of accident risk on rural roads.

"Rural roads have been full of sudden, sharp bends, poor road surfaces, narrow lanes, blind bends and farm vehicles. During the night, these risks be pronounced still.

"Alerting young drivers, insurers and fogeys that, though legal, the speeds they are doing are deemed dangerous by other drivers given the road conditions is really a terrific method to combat the accident rate and it is already saving lives.

"It's the virtual parent we've all always aspired to have the ability to place in the car alongside our children as they build up enough hours' experience behind the wheel."

Premiums have already surged over the last year by lb90 for UK motorists with drivers hit hardest in the North East thanks to increases of Insurance Premium Tax and law changes on personal injury payouts.

Reporting a small crash to your insurer even when you don't claim may cause your premium to soar, too.