Answer: Neither is automatically better. Black-box cover can suit a driver who benefits from telematics pricing; ordinary insurance can suit someone who values fewer monitoring requirements.
Compare practical restrictions beside price
Look at mileage, night use, app requirements, device installation, cancellation terms and how other drivers are treated. Then compare the same level of cover and excess. A £100 saving can disappear quickly if the policy is awkward enough to force a mid-year change.
The best policy is the one that suits the driver, not the label
Black-box cover can be excellent value when the saving is substantial and the driving rules fit your routine. Ordinary insurance can be better when the telematics discount is small, several people use the car or you dislike location and journey monitoring.
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