Answer: No. Some policies have no curfew, although frequent night driving can still be treated as a risk factor.
Your routine should choose the policy
Someone working evening shifts should not buy a policy built around avoiding late-night journeys merely because the opening premium is low. Check how the insurer treats the hours you normally drive. A slightly dearer policy may be much better value if it fits your real life.
No curfew does not necessarily mean no effect
Some telematics policies let you drive whenever you wish but still use time of day as part of the risk picture. Others place much less emphasis on night use. Two policies described as black-box insurance can therefore treat the same midnight journey differently.
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