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.
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.
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?
Third party, fire and theft
Fire and theft
Liability to others
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
You can pay in full by debit or credit card, either online or by phone. There is also a direct debit option, which spreads the cost over 10 months, although a deposit payment will be required.
All your policy documents will be uploaded to your online account and are only accessible there.
Yes, via your online account.
Yes, as long as it’s within 14 days, you can cancel at no cost. After this it will cost £75 to cancel your policy.
You’ll need to let your insurer know of any changes to your personal circumstances or your vehicle, either by updating your online account or by emailing iGO4’s customer service team at email@example.com.
*51% of consumers could save £200. Quote aggregator Seopa split the insurers on its comparison systems into different categories. It then selected quotes from the most popular providers as well as quotes from other providers which returned a price. It then selected providers, weighting them according to UK insurance market share (data from the Association of British Insurers), choosing the cheapest of either the most popular providers or other providers ("the cheapest selected quote"). Seopa then compared the cheapest quote on its system against this "cheapest selected" quote. The company then took the savings figure which 51% or over could have saved, using that formula. The savings you could achieve will depend on your individual circumstances and how you selected your current insurance supplier.
Millie Spark was a writer for Finder and covered a range of subjects including how to get the best deal on everyday shopping, and insurance.
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