A black box is a smartphone-size device for collecting driving data. We fit it out of sight in your car, usually behind your dashboard, and it just sits there quietly with no effect on how your car works.
We use this box to build up a picture of your driving style and give you driving feedback on how you’re doing. The box gets fitted by an approved ingenie engineer and generally takes less than an hour.
For more on the box, check out telematics explained and fitting the box.It's fitted within the first 10 days of the policy starting, but don't worry: you're insured from day one. Fitting can take place Monday to Friday between 9am and 5.30pm, and on Saturdays between 9am and 12pm. We’re happy to come to your home, college, work or anywhere else that’s good for you in mainland Britain or Northern Ireland.The black box installed in your car records speed, acceleration, braking, cornering and mileage. We also collect data on your car's GPS location, which may help the police recover your car if it’s stolen.
Find out more about stolen car recovery.Having a black box is part of ingenie’s insurance, so you need to keep your box as long as you’re with us.Yup, we love family! If you need someone else to be there while the box is fitted, just make sure you leave all your documents and keys with them ready for the engineer.
You'll need to have the following documents ready at your box fitting:
The engineer who comes out to fit your box will check your documents and take copies.
- Driving licence or pass certificate
- Vehicle Registration Certificate (log book) or new keeper's slip
- Proof of any No Claims (if you have a No Claims Discount)
We really don’t want to have to cancel your insurance because of a bit of admin. If you didn’t have everything at the time, just call us on 0330 678 0652 as soon as the box has been fitted. You'll then need to send us the missing documents within 28 days.
You can email copies (photos or scans) of your documents to: [email protected]
Or you can post them too:
Europa Group Ltd, Europa House, Midland Way, Thornbury, Bristol, BS35 2JX
Make sure you include your name and reference number (which is at the top of every letter we send you). You don't have to send the original documents - copies or photos are fine.
You can rearrange your box fitting by giving us a ring on 0330 0241 086 or email [email protected]. You'll need to give us 24 business hours' notice or there's a £50 late charge.
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.
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.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, 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 availabilityYes, 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.
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.
If you cancel your policy before the end of the first policy year, 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.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.Yes, you’re insured from your insurance start date, even if you haven’t had the box fitted. 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.When you leave ingenie, the black box in your car becomes your property. 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 £80 and you just need to call our box fitting team on 0330 024 1086.
Find out more about our charges.ingenie insurance is for a whole year and we don’t offer breaks or pauses at the moment.As long as you’re 25 or under, we can insure you as a new customer. If you turn 26 while you’re insured, that’s fine - everything just carries on. If you’d like to stay with us even after you turn 26, we’ll offer you a renewal quote if we can because we’d love to keep you!
- 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
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.
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.
With ingenie, you can have a maximum of 3 named drivers on your insurance. If you want to add a named driver:
- and you bought your policy on or after 5th March 2019, just call us on 0330 678 0652
- and you bought your policy before 5th March 2019, just call us on 0345 234 2238
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!
If you’d like to add someone to your insurance for temporary cover, give us a call and we’ll look into that for you.
- If you bought your policy on or after 5th March 2019, just call us on 0330 678 0652
- If you bought your policy before 5th March 2019, just call us on 0345 234 2238
We’ll send you your renewal quote 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.
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. Give us a quick call on 0330 678 0652 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.
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 send this to you once your policy is finished.
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 renewal quote, and gives you extra discounts if you drive well.
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 bought your insurance with us after 5th March 2019 and would like to add more miles - just call us on 0330 678 0652.
- If you bought your insurance with us before 5th March 2019 and would like to add more miles - just call us on 0345 234 2238.
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.
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 give us a call on 0330 678 0652 to check everything's OK.
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.
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 20 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.
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.