Young drivers may find it easier to access the new generation of gadgets that could cut their insurance costs, analysis indicates.

Financial ratings company Defaqto said that car insurance providers are moving away from traditional hard-wired black boxes towards low-cost gadgets and apps that drivers can install in seconds.

App-based “stick-to-the-screen” or plug-in-socket devices cut out engineer call-outs and allow insurers to instantly start tracking drivers’ habits, it said.

Defaqto, which maintains a database of financial products, said several include an “online dashboard” allowing the policyholder to review their driving habits and styles, and providing suggestions for better driving.

Some telematics devices also include features such as automatic crash alerts or theft trackin

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