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:

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
Belongings	£200+		£400
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 for permanently fitted; unlimited for original, manufacturer fitted
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
Uninsured driver NCD protection	Standard		Included
Cancellation fee	No more than £50		£35 before 14 days; £65 after

iGO4 Car Insurance Customer Service Reviews and Ratings

iGO4 has relatively good customer reviews. Existing customers have rated iGO4 insurance with 4.2 out of 5 stars on Trustpilot, with around 6,000 customer leaving reviews. Another 1,200+ customers have left reviews on Reviews.co.uk, giving the company 4.0 out of 5 stars. Both ratings are a bit higher than they were last year.

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.

Cancellation & Admin Fees

Losing Your NCD if You Claim

If your NCD is not protected, this is how claiming will affect your no claims discount with LV:

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.

Policy Documents & Claims

To find out more about the conditions and exclusions, read the policy documents. Existing customers can make a claim by calling the claims number listed above.

Other Car Insurance Reviews

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