iGO4 Car Insurance Review: The Cover You Need?

iGO4 Car Insurance Review: The Cover You Need?

Good for

  • Potential to offer a good price
  • Some good features as standard (e.g., keys, courtesy car)

Bad for

  • Some lower coverage limits (e.g., stereo, accommodation after accident, etc.)
  • No courtesy car for write off or theft
  • Cancellation fees a bit high

Editor's Rating

3.5/5.0

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

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iGO4 is meant to be a moderately price 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

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
  • Aviva
  • AXA Insurance UK plc.
  • Covea
  • Inspire Motor Limited
  • LV=
  • Sabre
  • 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 ad 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 IncludesDoes iGO4 Deliver?iGO4 Comprehensive Coverage
"Must Have" Features
WindscreenFull repair or replacement
thumbs up
Unlimited if you use their approved repairer
Belongings£200+
thumbs up
£400
Keys£300+
thumbs up
Up to £750 if lost or stolen
Protected NCD2 times in 3 years (standard or optional extra)
red x
If you buy the add on, provided no more than 2 claims are made within 5 consecutive years
Car recovery after accidentIncluded
thumbs up
Included
Courtesy car (repairs)Minimum 14 days
thumbs up
Included for duration of repairs
Repairs guaranteed12-month guarantee
thumbs up
3 years
"Should Have" Features
New car replacementTheft or damage at least 60% of list price; cars up to 12 months old
thumbs up
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 navMarket value for manufactur fitted
question mark
Up to £150
Alternative transport & Hotel after accident£250+
question mark
£60 per person (£300 max)
24-hour emergency helplineStandard
thumbs up
Included
Courtesy car (total loss or theft)Standard or add-on extra
red x
Not available
Motor legal expensesStandard or add-on extra
thumbs up add on
If you buy the add on
Breakdown coverStandard or add-on extra
thumbs up add on
If you buy the add on
"Could Have" Features
Same cover in EUStandard or add-on extra
thumbs up
Up to 90 days
Child car seat replacement after accident, theft, fireIdeally replaced even if no visible damage
question mark
Included, if you have the purchase receipt for the original item
Larger/premium courtesy carStandard or add-on extra
red x
Not available
No fault NCD protectionStandard
red x
Not available
Uninsured driver NCD protectionStandard
thumbs up
Included
Cancellation feeNo more than £50
red x
£65

iGO4 Car Insurance Customer Service Reviews and Ratings

iGO4 has relatively good customer reviews. Existing customers have rated iGO4 insurance with 3.9 out of 5 stars on Trustpilot, with over 1,000 customer leaving reviews. Another 300+ customers have left reviews on Reviews.co.uk, giving the company 3.45 out of 5 stars. Finally, iGO4 car insurance has earned 5 stars from defaqto for features.

iGO4 Ratings & Customer Reviews
Trustpilot customer service rating3.9 out of 5
Reviews.co.uk3.45

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.

DiscountWho qualifies?
No Claims DiscountEach 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 upfrontPay your full premium at the start of the policy to save money (variable APR)
Buy your policy earlyBuying your policy a few weeks ahead of the start date can generally save you money

Cancellation & Admin Fees

Administration 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
Renewal 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 periodNCD 1 claimNCD 2 claimsNCD 3 or more claims
0000
1000
2000
3100
4200
5310
6310
7310
8310
9+310

Important iGO4 Car Insurance Phone Numbers

Customers can reach iGO4 customer service 7 days a week, although with limited hours at the weekend. There's no online live chat feature, but phone customer service lines are open Monday to Friday 8am to 8pm, Saturday 9am to 5pm and Sundays and Bank Holidays 10am to 4pm.

iGO4 Car Insurance Contact Numbers
Customer Services01733 308235
Sales01733 308321
Renewals01733 308320
24 Hour Helplines
Claims0333 241 9566
Glass Repair Helpline0333 241 9566

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

If you'd like to compare Elephant to other car insurance companies, see our other car insurance reviews below:

Comments and Questions

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.