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.

That means an average upfront saving of £400 plus a possible extra 21% discount for good driving. Nice.

To help you improve and earn your discounts, 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.


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.


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.


Driving messages

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


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.


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 £500* at renewal!

*Based on ingenie renewals Jul-16 to Jun-17

Understanding your driving score

Max discount Max discount

Drive well and you could save

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

Max increase Max increase

Drive badly and your insurance price could go up

Driving score Driving score

Here you'll see your updated score for the quarter

On track for discount On track for discount

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

Price review Price review

This shows you the date of your next price review

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

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. You'll only get one of these messages if you:

  • Drive extremely recklessly (e.g. driving excessively over the speed limit)

  • Get an extremely high number of harsh braking and/or harsh cornering events
  • Get 6 Red (Dangerous) messages for speeding in the year

More likely to reduce score

How it works info

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 for the rest of the quarter but you'll start the next quarter with a clean slate
  • You'll get the highest increase you can for that quarter
  • Your policy will be put on review and unless we see a significant improvement in your driving, your insurance will be cancelled
  • If you receive a second highly dangerous message at any time over the year, your insurance will be cancelled

Warning: driving at unacceptably high speeds or creating an extremely high number of harsh braking or harsh cornering events may lead us to cancel your insurance with us immediately