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iGO4 is meant to be a moderately priced insurance brand and boasts relatively high customer ratings for the group. Prices seem to be mid-market, so if you're after the cheapest premium you might want to look elsewhere—otherwise, iGO4 can be a good option to consider but keep in mind some of the limits are on the low side (e.g., stereo cover) and you'll need to pay extra for breakdown and motor legal cover.
In This Review
- iGO4 Car Insurance: Overall Review
- Customer Reviews and Ratings
- Cost Comparison and Discounts
- Phone numbers and policy documents
iGO4 Car Insurance Overall Review
iGO4 car insurance includes some solid features such as a courtesy car (for the duration of repairs after being damaged in an injured incident, so long as you use their approved repairer), unlimited windscreen repair, cover in Europe, key cover, etc. Those looking for motor legal protection and breakdown will need to buy these as extras.
Customers of iGO4 will have their policy underwritten by one of the following insurers, some of which are amongst the biggest UK car insurance companies:
- Ageas Insurance Ltd
- AXA Insurance UK plc.
- Inspire Motor Limited
- Southern Rock Insurance Company Limited
- Markerstudy Insurance Services Ltd (MISL)
As you'll see below, iGO4 policies offer most of the "must have" features one should look for in a policy according to the Money Advice Service, however some of the limits and terms are less than you might hope for. For example, iGO4 offers NCD protection for an extra premium, but your NCD is only protected for 2 claims in 5 years, while many other insurers cover you for 2 claims in just 3 years.
Also, their limits are lower than we'd hope for categories such as stereo and sat nav and accommodation and further transport after an accident as you can see in the table below. If these aren't important to you then iGO4 might be a good option, if the price is right of course.
Here is a high-level summary of iGO4 comprehensive cover features for policies bought direct from iGO4—remember, these are always subject to conditions and exclusions, which you can read about in the policy documents.
|How Good is iGO4 Car Insurance?||A Good Policy Includes||Does iGO4 Deliver?||iGO4 Comprehensive Coverage|
|"Must Have" Features|
|Windscreen||Full repair or replacement||Unlimited if you use their approved repairer|
|Keys||£300+||Up to £750 if lost or stolen|
|Protected NCD||2 times in 3 years (standard or optional extra)||If you buy the add on, provided no more than 2 claims are made within 5 consecutive years|
|Car recovery after accident||Included||Included|
|Courtesy car (repairs)||Minimum 14 days||Included for duration of repairs|
|Repairs guaranteed||12-month guarantee||3 years|
|"Should Have" Features|
|New car replacement||Theft or damage at least 60% of list price; cars up to 12 months old||If cost of repairing the damage is more than 50% of the manufacturer’s list price, or if stolen and not recovered|
|Stereo and satellite nav||Market value for manufacturer fitted||Up to £150|
|Alternative transport & Hotel after accident||£250+||£60 per person (£300 max)|
|24-hour emergency helpline||Standard||Included|
|Courtesy car (total loss or theft)||Standard or add-on extra||Not available|
|Motor legal expenses||Standard or add-on extra||If you buy the add on|
|Breakdown cover||Standard or add-on extra||If you buy the add on|
|"Could Have" Features|
|Same cover in EU||Standard or add-on extra||Up to 90 days|
|Child car seat replacement after accident, theft, fire||Ideally replaced even if no visible damage||Included, if you have the purchase receipt for the original item|
|Larger/premium courtesy car||Standard or add-on extra||Not available|
|No fault NCD protection||Standard||Not available|
|Uninsured driver NCD protection||Standard||Included|
|Cancellation fee||No more than £50||£65|
iGO4 Car Insurance Customer Service Reviews and Ratings
iGO4 has relatively good customer reviews. Existing customers have rated iGO4 insurance with 4 out of 5 stars on Trustpilot, with over 3,000 customer leaving reviews. Another 900+ customers have left reviews on Reviews.co.uk, giving the company 3.87 out of 5 stars. Finally, iGO4 car insurance has earned 5 stars from defaqto for features.
|iGO4 Ratings & Customer Reviews|
|Trustpilot customer service rating||4 out of 5|
iGO4 Car Insurance Quote Comparison
iGO4 is meant to be a lower-priced car insurance brand, although for our sample driver we found prices were quite expensive. We received a quote of over £2,500, when other insurers were quoting from £600 per year. That said, quotes can vary drastically for different driver profiles and cars, and on different days, so you may receive a much more competitive quote. It is always worth checking.
iGO4 Car Insurance Discounts
iGO4 offers a typical set of car insurance discounts, such as savings for good driving records, no claims discounts and paying in full at the start of each policy year.
|No Claims Discount||Each year you don't make a claim should increase your NCD up to 9 years of no claims discount with iGO4, up to a limit|
|Pay upfront||Pay your full premium at the start of the policy to save money (variable APR)|
|Buy your policy early||Buying your policy a few weeks ahead of the start date can generally save you money|
Cancellation & Admin Fees
|Cancel your policy within 14 days||£35|
|Cancel your policy after 14 days||£65|
|Change your vehicle or add a driver||£25 over phone, £0 online|
|New policy setup fee||£60|
Losing Your NCD if You Claim
If your NCD is not protected, this is how claiming will affect your no claims discount with LV:
|NCD at the start of your current insurance period||NCD 1 claim||NCD 2 claims||NCD 3 or more claims|
Important iGO4 Car Insurance Phone Numbers
Customers can reach iGO4 customer service 7 days a week, although with limited hours at the weekend. Phone customer service lines are open Monday to Friday 8am to 8pm, Saturday 9am to 5pm and Sundays and Bank Holidays 10am to 4pm.
There's no online live chat feature, but you can send them a message on Facebook or email them.
|iGO4 Car Insurance Contact Numbers|
|Customer Services||01733 308235|
|24 Hour Helplines|
|Claims||0333 241 9566|
|Glass Repair Helpline||0333 241 9566|
Policy Documents & Claims
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