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).
Who underwrites ingenie’s car insurance?
ingenie young driver car insurance is underwritten by a panel of leading insurers in the UK:
Ageas Insurance Limited
Covéa Insurance
Highway Insurance
Royal & Sun Alliance Insurance Plc
For more information on all of the underwriters, please refer to your policy document.
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.
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.
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 Name
Ingenie Young Driver
Ingenie 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.
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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
Esther Wolffowitz was a publisher at finder.com specialising in insurance. Esther holds an MSc in Media and Communication Governance from the London School of Economics and Political Science (LSE). See full bio
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