Please note: this FAQ includes advice on driving abroad based on current Brexit information.
If you plan to use your car outside the UK after Britain leaves the EU, you’ll need to have a Green Card.
A Green Card means you’ll have proof of cover when driving in:
- Countries in the European Union (EU)
- Countries in the European Economic Area (EEA)
ingenie will get your Green Card directly from your insurer and post this to your home address. To request your Green Card please call us on 0330 678 0652 14 days’ before you plan to travel so we can process this for you.
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.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.
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 call us on 0330 678 0652. 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.
Hey, things change. If you need to change the car on your insurance, just give us a call on 0330 678 0652 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.
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 £175 to cover the cost of the black box and its fitting.
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.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.
If you’d like to add someone to your insurance for temporary cover, just give us a call on 0330 678 0652 and we’ll look into that for you.
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.
With ingenie, you can have a maximum of 3 named drivers on your insurance.If you want to add a named driver just call us on 0330 678 0652.
If you're 25 years old, have the car owner’s permission and your Certificate of Insurance says you can, you’re cool to drive other cars on a third party fire and theft basis. If you’re not sure, just email us at [email protected] and we‘ll check for you.
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.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
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.
You can take out breakdown cover with ingenie for £64 a year. Our breakdown partners are Intana (for policies starting before 1st June 2018) and Call Assist (for policies starting after 1st June 2018) and they give you:
Click here for full details of our UK and European breakdown cover.
- Home and roadside assistance
- Vehicle recovery/onward transportation
- European cover
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!Yes, you are covered for up to 14 days of driving within Europe.
Check section H of your policy wording for the full details.‘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’ll upload all of your documents into your policy account within 2 hours. Your Certificate of Motor Insurance will be added to your account once your black box has been fitted.
To see your documents, go to My account and log in to your policy account. You’ll see your policies in a list - click Manage my policy next to the policy you want to view. Your documents will be displayed at the top of the page.
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.
Yay! Congratulations, you rock. Just let us know as soon as possible so we can update your details and get you on the road. To do this, go to My account and log in to your policy account. In the quick links section click Amend my details and then select Change of drivers from the Description of your change drop down.
If you prefer, you can give us a quick call on 0330 678 0652 instead - then you can get straight in the car, fully insured and 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, increasing your risk of having a crash.
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.