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Find out the pros and cons of Ingenie car insurance to decide if their car insurance might be good for you. Read about how Ingenie features compare and how existing customers rate their customer service.
In This Review
- Ingenie Car Insurance: Overall Review
- Customer Reviews and Ratings
- Cost Comparison and Discounts
- Phone numbers and policy documents
Ingenie Car Insurance Overall Review
Ingenie is a specialist car insurance provider of telematics-based cover for young drivers as well as learner driver insurance for those practising on a learner's permit before their driving test. Ingenie may offer you a good price and a nifty app, but be aware that their policies are lacking some features we'd like to see, such as recovery after an accident (unless you buy the breakdown add on) or a guarantee on any repairs done by an approved repairer after an insured incident.
By installing a black box in your car, Ingenie is able to track features of your driver style such as speed, braking, acceleration and cornering—this encourages safer driving which should translate into lower premiums as a result. On the other hand, if you display unsafe driving patterns and receive red messages or black messages from your box, your insurance premium may be negatively affected (go up).
While you should never use your mobile phone while driving anyway (it's illegal) be aware that Ingenie won't cover you for an incident where the driver is convicted of using a mobile phone at the time of the incident.
Depending on what's compatible with the make and model of your car, young drivers will either get a fitted black box (which needs to be professionally installed by one of Ingenie's fitting partners) or you'll get a self-fitted box in the post. Ingenie owns the box while you're insured with them; afterwards, you own the box. In some circumstances (e.g., you cancel your policy or change your car) then you may incur costs for the black box, including:
|How much is an Ingenie black box?||You may need to pay this|
|Fitted black box||£105|
Who underwrites Ingenie?
Ingenie's car insurance policies are underwritten by Ageas, RSA and Covea, so you have some of the largest car insurance companies behind your policy if you buy from Ingenie.
Policies bought direct from Ignenie have some great features, including a courtesy car (in the event your car is in for repairs after being damaged in an injured incident), windscreen repair, personal injury cover, stereo cover and cover in Europe for 14 days. However, as you'll see in the table below a number of features we usually see as standard are not included automatically with Ingenie. For example, to get recovery for you and your car if you can't drive it away from the scene of an accident, you'll need to have purchased the additional breakdown cover for an additional premium.
|How Good is Ingenie Car Insurance?||A Good Policy Includes||Does Ingenie Deliver?||Ingenie Comprehensive Young Driver Coverage|
|"Must Have" Features|
|Windscreen||Full repair or replacement||Included|
|Belongings||£200+||Up to £100|
|Keys||£300+||Up to £500 for loss or theft, if the person who may have your keys, transmitter or card knows the identity or garage address of the car.|
|Protected NCD||2 times in 3 years (standard or optional extra)||If you buy the add on and have at least 4 years built up|
|Car recovery after accident||Included||If you buy the breakdown cover|
|Courtesy car (repairs)||Minimum 14 days||Included|
|Repairs guaranteed||12-month guarantee||Not included|
|"Should Have" Features|
|New car replacement||Theft or damage at least 60% of list price; cars up to 12 months old||If damage is more than 60% of list price at time of damage|
|Stereo and satellite nav||Market value for manufactur fitted||Unlimited for manufacturer fitted; up to £300 for other permanently fitted equipment|
|Alternative transport & Hotel after accident||£250+||If you buy the breakdown cover (£84.99)|
|24-hour emergency helpline||Standard||Included|
|Courtesy car (total loss or theft)||Standard or add-on extra||If you buy the hire car add on (£24.99)|
|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 14 days|
|Child car seat replacement after accident, theft, fire||Ideally replaced even if no visible damage||Not included|
|Larger/premium courtesy car||Standard or add-on extra||Not available|
|No fault NCD protection||Standard||No included|
|Uninsured driver NCD protection||Standard||If you bought NCD protection, being hit by an uninsured driver would count as a fault claim and would go down as one of the claims you're permitted before your NCD drops|
|Cancellation fee||No more than £50||£35 at any time, plus you may also incur a cancellation charge for the black box|
Ingenie Car Insurance Customer Service Reviews and Ratings
Ingenie has been rated with 3.4 stars out of 5 by close to 400 customers on Trustpilot. Most negative reviews are complaints about the cancellation charges or price hikes for cars with modifications (e.g., tinted windows or allow wheels added later).
Ingenie only earned 3 stars out of 5 from Defaqto, which is not a surprise given they don't offer some features such as a courtesy car if yours is totaled, a guarantee on repairs or accommodation/transport cover if your car is not drivable after an accident.
|Ingenie Ratings & Customer Reviews|
|Trustpilot customer service rating||3.4 out of 5|
Ingenie Car Insurance Discounts and Prices
Ingenie car insurance is designed to offer discounts to young drivers for safe driving, which they track via a black box in your car. Interestingly, they say you can get discounts 3 times a year and that drivers save an average of £563 when they renew for a second year.
Their app has a pretty cool display showing your driving score and how much you're on track to save at your next price check.
Ingenie Cancellation Fees
Black box policies can be more expensive to cancel due to the costs of the black box, and Ingenie is no exception. Ingenie has a wide array of fees and charges, and you'll pay more for canceling or changing your car if you have a fitted black box (to reimburse Ingenie for to the cost of professional installation). If you anticipate canceling your policy during the policy year, for instance if you're planning to sell your car, then you might want to keep these fees in mind. Here are a few of Ingenie's cancellation charges:
|Ingenie Cancellation Charges|
|Cancellation||£35 (no matter when you cancel)|
|Young Driver Box (Fitted box)||No refund of the cost of the fitted black box or installation (£105).|
|Young Driver Box (Self-fitted box)||No refund of the cost of the self-fit box (£50) after the cooling-off period.|
Important Ingenie Car Insurance Phone Numbers
Customers can reach Ingenie customer service 6 days a week—phone lines are closed on Sundays. (Of course, claims lines are open 24/7.) There's no online live chat feature, but phone customer service lines are open Monday to Friday from 9am - 6pm and Saturday from 10am - 3pm. To make a claim, follow these steps.
|Ingenie Car Insurance Contact Numbers|
|Customer Services (ingenie box for young drivers)||0330 678 0652|
|Customer Services (Learner Driver)||0330 678 0674|
|Claims (Windscreen)||0330 303 0024|
|24 Hour Helplines|
|Breakdown cover (if you have it)||0330 678 0685|
|Claims (ingenie box for young drivers)||0330 303 0021|
|Claims (Learner Driver)||0345 165 0563|
To learn about the full details as to what's covered and what's not, read through the Ingenie car insurance documents.
Ingenie Car Insurance Compared to Other Car Insurance Brands
To better understand the value of Ingenie Car Insurance you need to see it relative to other available options. We’ve compared this option to other car cover so you can decide which will create more value for you given your individual needs.
Ingenie vs. Bell Plug and Drive
Bell Plug and Drive is one of Admiral's black box brands. Admiral is the largest UK car insurance company in the UK by premiums written. Bell has a decent set of features but you should read their customer ratings before buying (we discuss them in our review) and customers have to wait to receive an email from Bell to find out how their driving has been rated.
Quick Takeaway: If you want a snazzy app that updates you on your driving score and potential savings, ingenie may be what you're looking for. But the set of standard features is relatively poor compared to Bell.
Ingenie vs Diamond
Diamond is another black box Admiral brand—this one aimed at women. Cover is robust for a telematics plan and includes most of the basic "must have" requirements, but beware that you don't get accommodation or onward travel in case your car is not roadworthy after an accident. Customer reviews are solid, rating around 3.5 according to Trustpilot and Reviews.co.uk.
Quick Takeaway: Diamond and Bell are similar as they're both Admiral brands. For instance, you call the same phone number for both if you need emergency roadside assistance after a collision. Check prices as one may be a touch lower than the other.
Ingenie vs Carrot
Carrot is another black box provider that also suffers from black box errors, with customers reportedly having journeys recorded when they're actually taking the bus or when they and their car are safely parked at home. Prices may be lower, but there's no way to call into customer service—Carrot is an online company and as a result only offers web chat customer service. While the high street rewards for good driving may be enticing, plans are quite basic and you can't buy any no claims bonus protection—of course, if you're a new driver then you won't have a no claims bonus to protect anyway (you usually need around 4 years of accrued NCB in order to buy NCB protection).
Quick Takeaway: If the price is right and you just want basic cover then Carrot may be a good option, but be aware of the high cancellation fees, lack of customer service phone lines and missing features.