How ingenie works

ingenie is on your side - we're all about creating better, safer drivers. We fit a black box in your car so we can treat you as an individual and reward you for driving well.

To help you improve we give you simple, regular feedback which you can view online and on your phone. This lets you take responsibility for how you drive as well as how much you pay for your insurance.

Quite simply: drive well and pay less.

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    Black Box

    Using the black box, which is fitted out of sight, we build up a picture of your driving style - including speed, acceleration, braking and cornering.

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    Driving Score

    We then give you a driving score out of 100. Your score will be updated roughly every 10 days (as long as you've driven at least 40 miles in that time) and we'll also tell you how much money you're on track to save

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    Driving Messages

    To help you improve your driving score we'll give you helpful feedback messages on your speed, acceleration, braking and cornering

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    Price Review

    3 times a year we'll review the price of your insurance based on your driving score for that quarter. The higher your score, the less you'll pay

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    Renewal Savings

    At the end of the year, we offer you a renewal quote that includes your final review, plus a further discount if you haven't made a claim. On average, customers see their price go down by 45% at renewal!

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Understanding your driving score

Every 10 days we give you a driving score out of 100 (100 being the best) based on how you’ve been driving so far in the quarter

3 times a year we'll review your price based on your final driving score for the quarter - the higher your score the less you'll pay

After each price review your score will be reset - so even if you don't receive a discount this time you could at your next price review

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  • Drive well and you could save

  • The amount the price of insurance could change by is set by your initial premium

  • Drive badly and your insurance price could go up

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  • Here you'll see your updated score for the quarter

  • We'll tell you how much your price will change at your next review if you end the quarter on that score

  • This shows you the date of your next price review

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Understanding your driving messages

You'll receive a message on your speed, acceleration, braking and cornering approximately every 10 days

The messages let you know how you've been driving since your last set of driving feedback messages

The driving messages show you the areas you're driving well in and where you can improve

  • More likely to improve score

  • More likely to reduce score

  • Green (Good) messages indicate that you are driving consistently well

  • Light green (Okay) messages mean that in general you've been driving well, however there are areas of your driving that you need to work on before you can receive a 'Good' message

  • Amber (Needs Improvement) messages show areas requiring attention in order to stay safe

  • Orange (Unsafe) messages highlight that you urgently need to improve your driving as it's becoming a concern

  • Red (Dangerous) messages warn you that there is a serious problem with your driving, and that you need to take immediate action

  • Black (Highly Dangerous) messages are very rare and are the result of the most serious cases of dangerous driving. You’ll only receive one of these messages if you:

    • Drive extremely recklessly e.g. driving 30mph over the speed limit

    • Receive 6 Red (Dangerous) messages for speeding in the year

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What happens if I receive Red or Black messages?


Not only does receiving Red (Dangerous) messages increase the likelihood your insurance premium rising, but if you receive 3 of them in a quarter for the same driving category then we'll apply a 30 point penalty to your driving score. This 30 point penalty will remain in place until after your next price review. If you receive 6 Red (Dangerous) messages for speed then this will result in a black message.

If we notice a trend of dangerous driving or you receive more than 1 Red (Dangerous) message in the same driving category (like speed or braking), we may get in touch to talk about your driving. This would include tips on how to improve your driving, helping you work towards earning good driving discounts.


If you receive a black (Highly Dangerous) message then:

  • Your score will be set to zero until after your next quarterly price review – when your score will be reset
  • You’ll receive the highest increase in price you can for that quarter
  • We'll call you to discuss your driving, and send you a letter that explains everything
  • Your policy will be put on review and unless we see a significant improvement in your driving your policy will be cancelled
  • If you go on to receive a second black (Highly Dangerous) message at any time throughout the year then your insurance policy will be cancelled

Warning: Driving at unacceptably high speeds may lead us to cancel your insurance with us immediately.

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