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.
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.
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.
To help you improve your driving score we'll give you helpful feedback messages on your speed, acceleration, braking and cornering.
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.
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-15 to Jun-16
Understanding your driving score
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
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 and are the result of the most serious cases of dangerous driving. You’ll only receive one of these messages if you:
More likely to reduce score
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.