There are some occasions where you can, although this is quite rare. If you can you will need to be over 25 and it will need to say that you can on your statement of insurance. You can find this with your insurance documents we sent after you bought a policy with us.
If your insurance is still active with us, we won't be able to send you your proof of no claims - as this will still be in use on the policy. But once your insurance has ended, we'll send out any proof of no claims you've earned within 48 hours.
You can use your renewal document as proof of no claims before you get your official document from us, as long as you haven’t made any claims.
We offer 3 types of UK breakdown cover which you can take out at the same time as you buy your insurance.
Roadside- if you break down further than a mile from home, call any time and we’ll send out someone to repair your car by the roadside. If it can’t be repaired, we’ll take it to a garage or location of your choice within 10 miles of the place you broke down.
Roadside & Recovery - everything above, plus we’ll recover the car and all its passengers to any UK location of your choice.
Total Breakdown – everything you get with Roadside & Recovery plus home start and alternative travel or accommodation if you can’t drive your car to your destination.
Find out more about your breakdown cover here: www.ingenie.com/breakdown-cover.
Unlike some other black box insurers, there’s no threat of turning into a pumpkin with us. We’re more interested in how you drive than when you drive.
If you cancel your policy before the end of the first policy year, you’ll need to pay some cancellation fees. If you’ve got a fitted black box you’ll pay up to £105 to cover the cost of the black box and its fitting, plus any cancellation charge.
You only earn a No Claims Discount for a full year of insurance, so cancelling does mean no NCD for that year.
You can see the list of possible charges here.
Travel outside of the UK from 1st January 2021
While a trade deal has been agreed with the EU, the decision regarding membership of the free circulation zone has not been finalised. Therefore, you will need a Green Card if you take your car outside of the UK.
What is a Green Card?
A Green Card is an internationally recognised proof of motor insurance cover which must be printed and taken with you when driving abroad.
How to get a Green Card?
You can arrange a Green Card for your trip by speaking to us on live chat. Please give us 14 days’ notice where possible so we can process this for you.
Hey, things change. If you need to change the car on your insurance, just speak to us on live chat and we'll go through updating your details with you.
Keep in mind that the car is part of how our insurers work out how much your insurance will cost, so you may need to pay some extra - or we might even give you money back. If you're planning on buying a new car, it's worth checking how much of a difference that might be before committing.
There’s a £25 admin charge for making changes to your insurance.
If you’ve got a self-fit black box, we’ll advise you whether you can still use it in the new car or if you need to switch to a fitted box. In most cases you’ll be able to take your self-fit box with you and plug it into your new car. If you need help finding the OBD port, you can use the location checker on our help page.
You should get links to your insurance documents by email within 48 hours. Your Certificate of Motor Insurance will be sent by email once your box is fitted.
If you don't get your documents in this time, please email [email protected] or speak to us on live chat to check everything's OK.
When it comes to mileage, you're in control. When you fill out our quote form, tell us how many miles you think you'll drive over the year. Our handy calculator will help you work out an estimate.
It's really important that you're as accurate as possible because if it looks like you're going to drive more than you've estimated, you'll need to buy more miles. Don't forget to include any additional driver's miles in your estimate.
If you would like to add more miles - just speak to us on live chat. If you use up all your miles, we'll get in touch to let you know you need to buy more. If you continue to drive over your estimate your insurance could face cancellation.
The cost of buying more miles varies and remember there's a £25 admin charge for making a change to your insurance.
Speeding is one of the things we look at in your driving data so it does have an impact on your discounts. That said, we’re not a speed camera. We’ll only get in touch if we’re worried about your safety.
We would only consider cancelling your policy in extreme cases, and we would normally send you several warnings and try to contact you to help you improve your driving before this would happen. However, driving at unacceptably high speeds will result in the immediate cancellation of your insurance with us.If you have a question about your insurance, need to make a claim or want some help with your driving feedback, you can find all the phone numbers you need on our contact page, in your account and on the ingenie app.
You can also get us on Facebook, Twitter or Instagram if you need to chat about anything.
Congratulations! You rock. Just let us know about your pass as soon as possible so we can update your details and get you on the road. Speak to us on live chat to get fully insured and you'll be ready to go.
FYI: it’s very likely your insurance will go up when you change from a provisional to a full driving licence. This is because you’ll be driving by yourself for the first time and will probably be doing a lot more miles than when you were a learner driver, which can increase your risk of having a crash.
The driving feedback and discounts are based on how the car is being driven, not how an individual human behaves. Because we didn’t put a spy cam on the box, we can’t tell who’s driving.
Someone messing up your feedback? Get some advice.Right now we only offer insurance if you’re the main driver but you can add a parent as a named driver. This is actually a much better idea, as it means you’ll be building up your own No Claims Discount right away.
Get some more information about No Claims Discounts.
Yes, you’re insured from your insurance start date, even if you haven’t had the black box fitted.
We’ll send out your self-fit box within 14 days of you buying your policy, and you’ll need to fit this to your car within 10 days of receiving the box.
If you need a fitted black box, we’ll contact you the day after you buy your insurance to arrange your box fitting, which will need to happen within the first 10 days of your insurance starting.
If you’d like to add someone to your insurance for temporary cover, just speak to us on live chat and we’ll look into that for you.
Yes, as long as your car is being fixed by one of our approved repairers.* You can also get Upgraded Replacement Car cover, which gives you a free replacement car for up to 21 days if you crash or your car is stolen.
Have a look at the full details.
* Subject to availability
With ingenie, you can have a maximum of 3 named drivers on your insurance. If you want to add a named driver just speak to us on live chat.
When you leave ingenie, the black box in your car becomes your property. If you’ve got a self-fit box, we’ll send you a Freepost label to send the box back to us as the box can be reset and used again. It’s good to recycle!
If you've got a fitted black box, you don’t need to have it taken out because we deactivate it remotely so it stops collecting data. If you’d like the box to be removed by one of our engineers, it costs £85 and you just need to call our box fitting team on 0330 024 1086.
Find out more about our charges.Yes, and it’s a very good idea! It costs £27 for the whole year and covers you for things your insurance doesn’t - like money lost if you can’t work after a crash.
You get legal representation cover up to £100,000, to help you get back anything that wasn’t insured in an incident that wasn’t your fault.
Check the full legal protection details.That's fine, as long as the owner is your parent, husband/wife or civil partner and you have their permission. You will need to be the registered keeper of the vehicle and have your name on the V5C document (log book), though.
Find out more about a car’s V5C.
If your car is stolen, you’ll need to get a Crime Reference Number from the police and then call us on 0330 303 0021. We’ll help the police with locating your car.
Find out more about stolen car recovery.
If you paid by instalments, your insurance will automatically renew on the policy end date – so you’ll need to call us to let us know if you don’t want to renew.
If you paid in full, your insurance will automatically expire on the policy end date (if you don’t call us to renew). You’ll get a reminder email about 17 days before the end date, with all the new details of your renewal policy, so there’s time to make up your mind. We’ll be sorry to lose you!‘Fraid not. We don’t insure cars that have been modified in any way.
Modifications are things like tinted windows, nonstandard alloys and/or wheels, body kits, performance enhancements, transfers and decals. If you’re not sure if your car’s been modified, get in touch with the manufacturer or look online for the car specs.
Get the full story on modifications.
We only collect data related to your driving, so we can give you feedback. We promise:
We use your black box to build up a picture of your driving style – your speed, acceleration, braking and cornering. We then review the price of your insurance 3 times a year at 3, 6 and 9 months. Reviews are based on how you’ve been driving over the previous 3 months. Drive well and you’ll pay less.Insurance companies usually reward customers by offering a No Claims Discount for each year you go without claiming. ingenie offers a No Claims Discount that's built into your quote, and gives you extra discounts if you drive well.
- We will not release your data to the police or to any civil authorities, unless we suspect fraud or attempted fraud, or if we are required to do so by law or a court order
- We will not be using your driving data as a 'speed camera'
- We will not use the data to decline your claim simply because you were driving above the legal speed limit
- We will use the data to help us identify if another driver is making a false claim against you
- We will use the data to help us identify if you are making a false claim
Yes, ingenie customers can earn an NCD by completing the full 12 months of insurance without making a claim. Your NCD is applied to your renewal quote but if you decide not to renew then we'll upload proof of your NCD to your policy account once your policy is finished.
We’ll upload your renewal quote to your policy account about 17 days before your insurance is due to end. Lots of things go into calculating this quote - how you’ve driven, your No Claims Discount and whether you went over your mileage are just a few.ingenie insurance is for a whole year and we don’t offer breaks or pauses at the moment.