The most frequently asked questions about car insurance for young drivers and about ingenie are listed below. If you have a question for us that isn’t answered here, you are welcome to contact us via e-mail or Twitter @ingenie.
We use the latest telematics technology to build a picture of your driving DNA, including your attitude to risk and hazard perception. Then, every two weeks you’ll receive Twitter-style messages via the ingenie app or the website, providing feedback on the trends in your driving including speed, acceleration, braking, cornering and swerving. We’ll then review your insurance premium every three months (whether you pay annually or monthly) and if you drive well the cost of your insurance could come down. Our approach is NOT to focus on minor/isolated incidences of bad driving; it’s to assess your overall driving style and trends.
To calculate your initial starting price we need to use some of the standard risk/rating factors - including your car, driving experience and address. Thereafter, so long as your policy details remain the same, your premium will be reviewed quarterly and could be adjusted based on the way you drive. The insurance industry calculates insurance premiums by a number of factors, including your car, age, address and driving experience. ingenie uses these standard measures to calculate your starting price. Thereafter, so long as your policy details remain the same, your premium will be reviewed quarterly and is calculated based on the way you drive. Drive well and the cost of your insurance could come down.
Yes, the better drivers in the ingenie community may receive a refund when their policy is reviewed every three months.
Your ingenie car insurance quote includes an initial price to start your cover and a capped price (the maximum you'll pay provided your policy details stay the same). The telematics device installed in your car assesses your driving style and trends. Your insurance premium is reviewed every three months and if you're doing your bit by driving well, you could get rewarded with cheaper insurance. However, in the event of poor driving, your premium can also rise, but only up to the capped price quoted. This allows you to budget for your car insurance and avoid any unexpected price rises. Premiums can go up as well as down.
Yes, you can pay your insurance with a single payment, or, subject to normal checks, by monthly instalments On average you'll pay a 20% deposit followed by 10 monthly payments.
No, there is no additional cost for the device itself or for fitting it in your car.
Car insurers generally use around 20 different rating factors to determine the annual premiums they offer. The major factors are your age, driving experience, where you live, the car you drive, what you use the car for and who else drives the car. Insurers also consider trends including accident frequency, the costs of repair - including hire car - and compensation (bodily injury etc.). Insurers offer different prices due to their own experience with certain rating factors. As a result, there are millions of different pricing combinations and no one insurer will be cheapest or most expensive for every driver. ingenie is different to most other insurers - to begin with we use some of the traditional rating factors, but over time (and through using the ingenie device) we are able to better understand you as an individual driver and are able to review your premium based on the way you drive.
This is one of the most talked about questions amongst young drivers. The cost of repairing/replacing your car is only one of the factors used by insurers to calculate your insurance premium. Repairs to other cars that you may have collided with are also taken into consideration. Personal injury claims, particularly for whiplash, have also fuelled increasing insurance costs.
Insurance companies usually reward customers by offering a No Claims Discount for each year that you insure without a claim. NCD typically ranges from 20% to 75%.
Most experienced drivers have earned several years NCD. This means young drivers pay a higher price until they have a number of years driving behind them.
ingenie aims to reward the best drivers with a discount based on how they drive, not just for how long they have driven claims-free.
ingenie recognises NCD in the normal way. We could then add to your discount with with further money off if you are a better driver.
Yes, ingenie customers can earn a NCD in the normal way and this is applied to your insurance premium at renewal.
For full details, please see our Privacy Policy
The ingenie device installed in your car records speed, acceleration, braking, cornering, swerving and usage. We also collect data relating to the type of roads you use and your car's GPS location (which may help the police to recover your car if it is stolen).
Each customer's data is recorded for every journey to assess personal driving trends. The data is used to generate a unique driving profile. The best drivers could be rewarded with a discount every three months. However, the worst drivers might see their premium rise (but not beyond the capped price quoted).
We use personal information provided to us to manage your insurance policy. This includes underwriting and handling claims as well as issuing policy renewal documents to you. These activities may involve us releasing personal information to insurers, regulatory authorities or agents providing services on our behalf. Information relating to you and your insurance policy may also be used or shared to help prevent fraud.
Yes, this is your choice. It is easy to set up an account to let someone else view your driving style within the customer login area of our website.
Based on the data collected, we provide you with individual Twitter-style messages on how you're driving, including speed, acceleration, braking, cornering and swerving. In time you will also be able to see how you are driving compared to the entire ingenie community. Your driver feedback is updated on a fortnightly basis.
We understand that you may have concerns over how we will use your driving data.
Yes, you are insured from your policy start date. Our service centre will contact you to arrange the fitting of the device. The fitting usually takes place within the first three weeks.
The law changed in 2011 allowing insurers to send out electronic documents. Your policy and other important documents, including your cover note, will be emailed to you once you take out a policy. Your certificate of motor insurance is e-mailed to you once the ingenie device has been fitted.
If you change your car, you don't need to cancel your policy, but you do need to let us know so we can update your policy details. Your new car will need to be fitted with an ingenie device (there will be an adjustment to your premium and a £65 fitting charge will apply). We will remotely deactivate the device in your old car, so it needn't be taken out. However, if you want it to be removed, this can be arranged at additional cost. If you cancel your policy before the end of the first year, a £150 charge will apply to cover the cost of the ingenie device and its fitting.
For full details of fees relating to changing your car or cancelling your policy, please see the Terms of Business Agreement.
No, and it is important to be truthful when making this declaration during your quote as the car will be inspected when the ingenie device is fitted. Modifications include bodykits, performance enhancements and non-standard alloys.
Yes, you are covered for up to 14 days per policy year for driving within the EU. Please refer to section H of the policy wording for full details of cover when driving abroad.
Please call 0330 303 0021. Our Claims line is open 24 hours a day, 7 days a week. Alternatively, if you have downloaded the ingenie app to your mobile, there is helpful information to guide you in the event of an accident and a call button to provide urgent assistance.
You can take out breakdown cover with ingenie in addition to your insurance. Our partner Europ Assistance provides the following wide range of benefits within the UK:
Plus, European cover including many useful features that give you protection, even before you have left home. Click here for full details of Europ Assistance's UK and European Motor Breakdown Cover.
In the event that your car is stolen, you will need to obtain a Crime Reference Number from the police and you should then call us on 0330 303 0021. We will co-operate with the police to help recover your vehicle.
Yes, provided you have the permission of the car owner and the policy is either in your name or you are a named driver on the policy. However, the main policy holder must be aged 17 to 25.
Yes, ingenie can add this to your insurance policy for an additional £25. ingenie's legal protection policy, gives you legal representation cover up to £100,000. This helps you to recover your uninsured losses if you have an accident that isn't your fault. Click here for full policy details.
Yes, subject to availability, a free courtesy car is supplied, provided your car is repaired by one of our Approved Repairers. ingenie also offers you the opportunity to purchase Upgraded Replacement Car cover, which would provide you with a free replacement car for up to 21 days in the event of an accident or your car is stolen. Click here for more information on replacement car cover.
Yes, fitting of the device is simple, it gets installed by an approved ingenie fitter and generally takes less than an hour. Please take a look at our fitting the device section for more details.
In most cases the ingenie device is fitted behind the dashboard in the vehicle cabin and therefore is very unlikely to be damaged in a minor crash. However, if the box was damaged, you wouldn't have to pay for a replacement, as the cost of the new box would be covered by the insurance as part of the repair cost.
It is installed within the first two to three weeks of the policy becoming active, but don't worry, you are insured from day one. Fitting can take place Monday to Friday, between 9am and 5.30pm and on Saturdays between 9am and 12pm. The fitter will come to your home, college, workplace or other convenient location in mainland Britain.
The ingenie device is roughly the size of a mobile phone and is fitted out of sight, usually behind your dashboard. It has no noticeable effect on the operation of the car.
At the time your device is fitted you should provide the fitter with both copies of your driving license and proof of any No Claim Discount that you may have. You don’t have to send the original documents – copies are fine. If you are unable to provide these documents at the time of the fitting, we must receive them within a week of your fitting date to avoid your policy being cancelled. You can send these to us in the following ways: Email: help@insurance.ingenie.com Post: Prospect House Gordon Banks Drive Trentham Lakes North Stoke on Trent Staffordshire ST4 4TW Please include your name and reference number. The reference number is at the top of every letter we send to you. Please note that at the time of the fitting you must have your V5C document (also known as your registration document) to show the fitter. If you do not, your ingenie device will not be fitted. If you are unable to meet any of these requirements for any reason please call us on 0330 303 0014.
You can find out more on this subject by reading our Telematics Explained page.
No, ingenie does not appear on price comparison sites. Not appearing on price comparison sites allows us to make savings, which we can then pass on to our customers.As a social brand we rely on people finding us through word of mouth.
For convenience, there are no restrictions and ingenie allows there to be multiple drivers insured on one car. The feedback and three monthly reviews are therefore based on the combined risk of how the car is driven by all the named drivers on the policy.
We assess how you drive and look for trends in your driving habits. However, persistent speeding is likely to result in the cost of your insurance rising to the capped price quoted. In extreme cases, we may cancel your insurance policy.
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Who is ingenie for?
Young drivers aged 17-25