It’s a great feeling, passing your test, but it’s important to remember that it’s not the end of learning to drive - not by a long shot.
During the first 6 months a new driver is on the road, they have a 1 in 5 risk of crashing. This risk is why insurance for new drivers is often so expensive to begin with.
That statistic about 1 in 5 new drivers crashing sounds scary (and it is) but there is something you can do about it. Black box insurance means you have a co-pilot as you start driving alone for the first time, and ingenie drivers have only a 1 in 8 risk of crashing in their first 6 months of driving. That's a 40% lower crash risk than the national average.
Being safer doesn’t have to mean less freedom though: we don’t have curfews and we don’t give you feedback about where or when you drive - it’s how you drive that matters to us.
ingenie sends you feedback on your driving to help you keep up the good work you did with your driving instructor. If you drive well, you’ll earn discounts on your insurance - up to 21% off over the year.
You get the chance to earn your good driving discounts 3 times a year, so you don’t have to wait the usual year to see the benefit of driving well. You’ll also get your no claims discount at the end of your first year if you haven’t had to claim.
91% of our new drivers earn their No Claims Discount after they’ve been with us a year, which is pretty amazing!
I thought I wouldn’t be able to drive for a few years after passing my test, as the insurance would be too high. If we hadn’t discovered ingenie I still would not be insured.
Saved £1,000 by choosing ingenie
Your first insurance policy is going to be expensive next to what more experienced drivers pay, because you’re statistically more likely to crash and you don’t have a No Claims Discount yet.
It’s tough, but when you’re getting lots of different quotes, try not to jump at the cheapest you find. It could end up costing you down the line if your policy limits your mileage or has curfews - 2 things ingenie doesn’t do.
It’s also wise to resist the temptation to make a policy cheaper by choosing a high excess. If you crash, you WILL have to pay that out - and if you crash more than once, guess what? You pay that cost again.
Having recently passed your test, you need a car you’re going to be confident in and able to afford to run. Luckily, these things sort of match up: cars in low insurance groups are the cheapest to insure, the easiest to park and you might even find yours is vehicle tax exempt.
If you haven’t already settled on a car, check out our Top 10 Cars - our pick of the best cars for new drivers.
It can be a bit intimidating, taking to the road for the first time. With a black box, you get a co-pilot for a bit of support while you’re growing your driving skills. It looks for trends in your speed, acceleration, braking and cornering so we can send you feedback to help you improve.
The black box also lets us give you discounts for good driving - up to 21% off the cost of your insurance each year. You get the chance to earn your discounts 3 times a year, so you could get your first discount after just 3 months of driving.