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iGO4 car insurance review
iGO4 is a broker that prides itself on offering cheap insurance that puts the customer first. Overall, it comes across as a stripped-back service, and might be for you if you’re not looking for anything too fancy.
iGO4 has a panel of insurers which it scans for the best deals available for you. Third party insurance is the legal minimum for all UK road users, and iGO4 offers a simple third party policy, but it also has a range of additional extras as well as a comprehensive policy.
Who is iGO4?
As an online insurance broker, iGO4 offers to search for the best rate for you from its panel of insurers.
What are iGo4’s levels of cover?
iGO4 has three cover options:
Third party, which is the legal minimum for road users in the UK, and it only covers the cost of damage to others’ cars should there be an accident and you are at fault.
Third party, fire and theft (TPFT), which is popular with young drivers and people whose cars are less than expensive. TPFT insurance covers damage to other road users as well as insuring your own vehicle against fire and theft. It’s not always cheaper than comprehensive, however.
Comprehensive. This is generally favoured by people with more expensive cars, and will cover a whole range of eventualities, including personal injury and accidental damage.
Optional extras
iGO4 Insurance also has optional extras, if you want to increase the level of cover you have:
- Breakdown cover. You can add RAC breakdown assistance, which comes in three levels: The first covers you for breakdowns that happen away from home and can take you anywhere within 10 miles if you can’t get the car up and running; the second is similar, but will take you anywhere in the UK; and the third includes “At home” cover.
- Motor legal assistance. This means you’ll be covered for any legal costs that arise from claims you make or getting money back from uninsured drivers.
What is covered under my policy?
| Cover | Third party, fire and theft | Comprehensive |
|---|---|---|
| Fire and theft | ✓ | ✓ |
| Liability to others | ✓ | ✓ |
| Windscreen cover | – | ✓ |
| Medical expenses | – | ✓ |
| Personal belongings | – | ✓ |
| Personal accident | – | ✓ |
| European extension | ✓ | ✓ |
What is my excess?
It’s important you read your policy wording so that you know the amount you’ll be expected to pay in the event you make a claim. Most insurers ask that you pay some of the money towards a claim, and this is called the excess.
What is the claims process for iGO4?
iGO4 has a claims hotline that is open 24/7. Contact the team on 0333 241 9566.
Frequently asked questions
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
*Based on independent online research by Consumer Intelligence (March ’20). 51% of car insurance customers could save £285.88.
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