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ingenie car insurance

Looking for young driver car insurance? Check out ingenie to see if they offer the right policy for you.

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Esther Wolffowitz

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Finding affordable car insurance when you’re a young driver can be challenging. Getting car insurance may seem like a chore, but it’s important to make sure you’re protected behind the wheel.

ingenie offers black box car insurance” site=”UKFCI-STC” origin=”straightforward-niche for 17-25 year olds, with a range of features and benefits. Check out our guide to find out if ingenie have a car insurance policy to suit you.

Who are ingenie?

ingenie Services Limited specialises in providing affordable car insurance for young drivers between 17 and 25 years old. It fits a black box to your car which monitors your driving. It will determine your driving score which could potentially bring down the cost of your premiums (but if your driving isn’t good, it could go the other way).

What are ingenie’s policies?

ingenie offer young drivers insurance for 17-25 year olds as well as learners insurance for those who haven’t got their full licence yet.

ingenie Young Drivers Insurance

When you buy young driver’s insurance with ingenie, it fits a black box in your car. This box measures your speed, acceleration, braking and cornering and will determine your driving score. This score will then equate to the cost of your premiums.

Features of this policy include:

  • Black box
  • Driving score
  • Driving messages
  • Price review 3 times a year
  • Renewal savings
ingenie Learners Insurance

You can also get insured as a learner on an annual basis with ingenie. It works in a similar way to the young drivers insurance, also including a black box fitting.

If you own your own car, you can also begin to earn your own no claims discount with this policy.

Compare ingenie’s car insurance policies

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Updated regularly
Name Product Courtesy car cover New car replacement EU Cover Personal accident cover Multi-car discount Link
Ingenie Young Driver
Ingenie Young Driver
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Cover up to £10,000 per accident and £2,500 per person.
Insurance for young and learner drivers ages 17 to 25. Discounts up to 21% for good driving.
Ingenie learner driver
Ingenie learner driver
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Cover up to £10,000 per accident and £2,500 per person.
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What is covered under my policy?

ingenie offers 2 levels of comprehensive car insurance. If you are responsible for causing an accident, you’ll be covered for damage to third party vehicles or property, as well as your own car.

Have a look at the table below to see what the two cover options from Ingenie offer.

Product NameIngenie Young DriverIngenie learner driver
Damage to your car✓✓
Damaged windscreen and window glass✓✓
Fire and theft✓✓
Personal accident cover✓✓
Medical expenses✓✓
Personal belongings✓✓
Liabilities to third parties✓✓
No claims discount✓
Replacement locks✓✓
Permanently fitted audio equipment✓

How do I make a claim?

If you need to make a claim on your ingenie car insurance policy, you can give the ingenie Claims Team a call. For a young driver policy, call 0330 303 0021 or for a learner driver policy, please call 0345 165 0563. They’re open 24 hours a day, 7 days a week.

If you need your windscreen repaired or replaced, you can give the ingenie Windscreen Claims Team a call on 03303030024.

What is my excess?

An excess is the amount of money you contribute when you make a claim. The amount of your excess will vary depending on the cover you have chosen and any extras you have added.

Make sure to check your Policy Schedule for full details on your policy excess.

ingenie car insurance customer reviews

On the reviews platorm Trustpilot, ingenie has nearly 2,000 reviews and scores 4.1 out of 5. Overall, customers praised ingenie’s quick, efficient and clear service as well as its value for money. (Last updated: July 2021.)

ingenie pros and cons

Pros

  • Specialist policies for young drivers
  • Policies for learner drivers
  • Black box data can help learners improve
  • 24-hour helpline

Cons

  • Only comprehensive cover options available
  • No no-claims discount on young driver policies

Our verdict

Drivers aged 17-25 are often hit with some of the highest annual premiums due to their statistically high risk factor. With ingenie’s black box insurance you can get a policy based on how you as an individual, rather than you as an age group, drive. If you genuinely are a safe driver, ingenie could save you money on your car insurance. If you’re a learner driver, having a black box could also help you to better develop your driving skills. But if your driving isn’t great, your premium could go up.

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