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Ingenie car insurance

Ingenie car insurance is a telematics, or "black box" scheme that aims to reward younger, and learner drivers.

How good is Ingenie car insurance?

Defaqto rating: 2/5 stars

Ingenie was rated two out of five stars in 2020 by Defaqto, an independent financial research and ratings company.

Note: Not all Defaqto products with the same star ratings have the same covers and terms.

Trustpilot rating: 4.1/5 stars

Consumer reviews on Trustpilot are generally more favourable that those awarded by industry experts, with Ingenie getting 4.1 stars.

Particularly new and younger drivers – many of whom are unable to find insurance through general car insurance companies – are impressed with Ingenie’s telematics insurance. Out of more than 1,000 reviews, 60% rated the company 'excellent', while 24% rated it 'bad'.

About Ingenie car insurance

Most telematics insurers reward policyholders with discounts at renewal, but Ingenie may offer money back after just three months.

Such insurers send you a telematics device that plugs in to your car and records how safely you drive, rewarding good behaviour with discounts, and can offer younger drivers a cheaper insurance alternative – if they drive with care.

Indeed, Ingenie targets the younger age groups, insuring only those aged between 17 and 44.

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More about Ingenie insurance

Ingenie was founded in 2010 by Richard King and Chris McKee to provide cheaper car insurance targeted at the under 25s – a large market sector, deeply frustrated by the growing cost of insurance for younger drivers.

By July 2014, the company was under full control of Quindell, the insurance outsourcer, which bought the remaining half of Ingenie that it did not already own. Ingenie’s insurance policies are underwritten by a panel of four UK insurers: Ageas, Covea, Highway and RSA.

In July 2018, Ingenie announced it was adding to its product portfolio by introducing Ingenie Learner Driver insurance, which would cover student drivers for lessons, practising in their own car and taking their test in another person's car.

The company believes that by engaging young drivers more frequently and offering mid-policy discounts, it is helping create better drivers and, therefore, significantly reducing claims – which helps all drivers.

How does Ingenie car insurance work?

Ingenie may not provide you with a quote, particularly if you are too old, or your car is not suitable. But if you’re successful and you like the quote here’s what happens next:

Telematics: Ingenie Young Drivers Insurance 

You’ll be sent a “black box” telematics recorder that you fit to your car. Every 10 days you’ll get feedback on your speed, acceleration, braking and cornering using a system of colour-coded messages:

  • Green – this is good, you’re driving consistently well

  • Light green – you’re doing OK, but there are elements of your driving that you’ll need to improve before you get a “good” message

  • Amber – needs improvement: the messages will tell you which areas you need to improve to stay safe

  • Orange – you’re an unsafe driver and messages will tell you urgent improvement is needed

  • Red – dangerous driving, you’re a serious threat and immediate action is needed

  • Black – these messages are rare and mean you’re highly dangerous, usually for driving prolonged periods at excessive speed or harsh braking and reckless cornering

Receiving red messages means the likelihood of your premium rising at renewal is high. If you receive black messages you run the risk of your policy being cancelled – two black messages in a year automatically cancels your policy.

But, if your messages are predominantly green, you’re much more likely to receive a discount at renewal and may even get money back from your up-front payment for your current policy. This is reviewed three times a year and the maximum you can get back is 21% of your premium.

Ingenie car insurance policies

Ingenie standard car insurance cover

Ingenie additional car insurance cover options

What is Ingenie car insurance best for?

While it offers little for the seasoned motorist, Ingenie is building reputation among younger drivers who find it difficult getting reasonably priced insurance quotes, or run up against companies that simply won’t insure them.

In a nutshell, then, you’d choose Ingenie insurance because:

  • You’re a young driver and want a fair comprehensive insurance quote

  • Your’re a careful driver and want to be rewarded with lower premiums each year

  • You’re a learner driver

Ingenie in the news

In July 2020, Ingenie Business – the business services arm of Ingenie – announced it had partnered with Endsleigh Insurance Services to provide the broker with a telematics scheme for young drivers that will be called "Endsleigh Loop".

A report published in July 2020, Insurance telematics in Europe and North America by Berg Insight, suggests that the number of telematics policies in force in the European insurance market reached 12.8 million in the fourth quarter of 2019. 

The report adds that the telematics market is growing at an annual rate of 28.2% and the total number of policies in force by 2024 will reach 44.5 million.

Complaints data

The Financial Ombudsman Service received fewer than 10 (possibly only one) car insurance complaint about InGenie in the first half of 2020. The ombudsman did receive complaints about all four insurers InGenie uses, with Ageas, Covea and RSA all getting much lower levels of complaints than you might expect given their market size. Highway received a lot more complaints than might be expected for its size. To put complaints in context, 67 firms had 10 or more complaints each and those totalled 4,550 complaints. Nearly 200 firms had fewer than 10 each, sharing just 479 complaints between them.

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