Arnold Clark has partnered with ingenie

ingenie makes car insurance cheaper by rewarding good driving, helping 17-25s get on the road safely and affordably. Drive well, pay less.

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Save money in three simple steps

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Save on your insurance quote

Young drivers save an average of £400 when they buy their car insurance from us. The black box is included at no extra cost.*

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Earn up to 21% extra discount

Based on your driving, your price is reviewed 3 times a year. 7 out of 10 customers earn a discount just for driving well.*

HP-discounts

More savings when you renew

On average, our customers' insurance drops by 36% after one year - that works out at around £500 cheaper.*

What else you need to know:

FAQs

We really don’t want to have to cancel your insurance because of a bit of admin. If you didn’t have everything at the time. You'll need to send us the missing documents within 28 days.

You can email copies (photos or scans) of your documents to: service@ingenie-insurance.co.uk

Or you can post them too:

Europa Group Ltd, Europa House, Midland Way, Thornbury, Bristol, BS35 2JX

Make sure you include your name and reference number (which is at the top of every letter we send you). You don't have to send the original documents - copies or photos are fine.

A black box is a fitted smartphone-size device for collecting driving data. We fit it out of sight in your car, usually behind your dashboard, and it just sits there quietly with no effect on how your car works.

We use this box to build up a picture of your driving style and give you driving feedback on how you’re doing. The box gets fitted by an approved ingenie engineer and generally takes less than an hour.

For more on the box, check out telematics explained and fitting the box.The black box installed in your car records speed, acceleration, braking, cornering and mileage. We also collect data on your car's GPS location, which may help the police recover your car if it’s stolen.

Find out more about stolen car recovery.

You'll need to have the following documents ready at your box fitting:

  • Driving licence or pass certificate
  • Vehicle Registration Certificate (log book) or new keeper's slip
  • Proof of any No Claims (if you have a No Claims Discount)
  • The engineer who comes out to fit your box will check your documents and take copies.

    • You can rearrange your box fitting by giving us a ring on 0330 0241 086 or email help@fitting.ingenie.com. You'll need to give us 24 business hours' notice or there's a £50 late charge.

    It's fitted within the first 10 days of the policy starting, but don't worry: you're insured from day one. Fitting can take place Monday to Friday between 9am and 5.30pm, and on Saturdays between 9am and 12pm. We’re happy to come to your home, college, work or anywhere else that’s good for you in mainland Britain or Northern Ireland.Having a black box is part of ingenie’s insurance, so you need to keep your box as long as you’re with us.Yup, we love family! If you need someone else to be there while the box is fitted, just make sure you leave all your documents and keys with them ready for the engineer.     There are some occasions where you can, although this is quite rare. If you can you will need to be over 25 and it will need to say that you can on your statement of insurance. You can find this with your insurance documents we sent after you bought a policy with us.Yes, and it’s a very good idea! It costs £29.99 for the whole year and covers you for things your insurance doesn’t - like money lost if you can’t work after a crash.

    You get legal representation cover up to £100,000, to help you get back anything that wasn’t insured in an incident that wasn’t your fault.

    Check the full legal protection details.

    If your insurance is still active with us, we won't be able to send you your proof of no claims - as this will still be in use on the policy. But once your insurance has ended, we'll send out any proof of no claims you've earned within 48 hours.

    You can use your renewal document as proof of no claims before you get your official document from us, as long as you haven’t made any claims.

    We offer 3 types of UK breakdown cover which you can take out at the same time as you buy your insurance.

    Roadside- if you break down further than a mile from home, call any time and we’ll send out someone to repair your car by the roadside. If it can’t be repaired, we’ll take it to a garage or location of your choice within 10 miles of the place you broke down.

    Roadside & Recovery - everything above, plus we’ll recover the car and all its passengers to any UK location of your choice.

    Total Breakdown – everything you get with Roadside & Recovery plus home start and alternative travel or accommodation if you can’t drive your car to your destination.

    Find out more about your breakdown by contacting us.

    Unlike some other black box insurers, there’s no threat of turning into a pumpkin with us. We’re more interested in how you drive than when you drive.

    If you cancel your policy before the end of the first policy year, you’ll need to pay some cancellation fees. If you’ve got a fitted black box you’ll pay up to £105 to cover the cost of the black box and its fitting, plus any cancellation charge.

    You only earn a No Claims Discount for a full year of insurance, so cancelling does mean no NCD for that year.

    You can see the list of possible charges here.

    Hey, things change. If you need to change the car on your insurance, just speak to us on live chat and we'll go through updating your details with you.

    Keep in mind that the car is part of how our insurers work out how much your insurance will cost, so you may need to pay some extra - or we might even give you money back. If you're planning on buying a new car, be sure to check that your insurance will cover it. It's also a good idea before you buy the car, to check how much more it might be compared to what you already pay.

    There’s a £25 admin charge for making changes to your insurance.

    If you’ve got a self-fit black box, we’ll advise you whether you can still use it in the new car or if you need to switch to a fitted box. In most cases you’ll be able to take your self-fit box with you and plug it into your new car. If you need help finding the OBD port, you can use the location checker on our help page.

    Travel outside of the UK from 1st January 2021

    While a trade deal has been agreed with the EU, the decision regarding membership of the free circulation zone has not been finalised. Therefore, you will need a Green Card if you take your car outside of the UK.

    What is a Green Card?

    A Green Card is an internationally recognised proof of motor insurance cover which must be printed and taken with you when driving abroad.

    How to get a Green Card?

    You can arrange a Green Card for your trip by speaking to us on live chat. Please give us 14 days’ notice where possible so we can process this for you.

    You should get links to your insurance documents by email within 48 hours. Your Certificate of Motor Insurance will be sent by email once your box is fitted.

    If you don't get your documents in this time, please email service@ingenie-insurance.co.uk or speak to us on live chat to check everything's OK.

    When it comes to mileage, you're in control. When you fill out our quote form, tell us how many miles you think you'll drive over the year. Our handy calculator will help you work out an estimate.

    It's really important that you're as accurate as possible because if it looks like you're going to drive more than you've estimated, you'll need to buy more miles. Don't forget to include any additional driver's miles in your estimate.

    If you would like to add more miles - just speak to us on live chat. If you use up all your miles, we'll get in touch to let you know you need to buy more. If you continue to drive over your estimate your insurance could face cancellation.

    The cost of buying more miles varies and remember there's a £25 admin charge for making a change to your insurance.

    Speeding is one of the things we look at in your driving data so it does have an impact on your discounts. That said, we’re not a speed camera. We’ll only get in touch if we’re worried about your safety.

    We would only consider cancelling your policy in extreme cases, and we would normally send you several warnings and try to contact you to help you improve your driving before this would happen. However, driving at unacceptably high speeds will result in the immediate cancellation of your insurance with us.    If you have a question about your insurance, need to make a claim or want some help with your driving feedback, you can find all the phone numbers you need on our contact page, in your account and on the ingenie app.

    You can also get us on Facebook, Twitter or Instagram if you need to chat about anything.

    Congratulations! You rock. Just let us know about your pass as soon as possible so we can update your details and get you on the road. Speak to us on live chat to get fully insured and you'll be ready to go.

    FYI: it’s very likely your insurance will go up when you change from a provisional to a full driving licence. This is because you’ll be driving by yourself for the first time and will probably be doing a lot more miles than when you were a learner driver, which can increase your risk of having a crash.

    The driving feedback and discounts are based on how the car is being driven, not how an individual human behaves. Because we didn’t put a spy cam on the box, we can’t tell who’s driving.

    Someone messing up your feedback? Get some advice.    Right now we only offer insurance if you’re the main driver but you can add a parent as a named driver. This is actually a much better idea, as it means you’ll be building up your own No Claims Discount right away.

    Get some more information about No Claims Discounts.

    Yes, you’re insured from your insurance start date, even if you haven’t had the black box fitted.

    We’ll send out your self-fit box within 14 days of you buying your policy, and you’ll need to fit this to your car within 10 days of receiving the box.

    If you need a fitted black box, we’ll contact you the day after you buy your insurance to arrange your box fitting, which will need to happen within the first 10 days of your insurance starting.

    If you paid by instalments, your insurance will automatically renew on the policy end date – you can cancel this feature at any time, you just need to let us know by contacting the live chat team here.

    If you paid in full, your insurance will automatically expire on the policy end date (if you don’t call us to renew). You’ll get a reminder email about 17 days before the end date, with all the new details of your renewal policy, so there’s time to make up your mind. We’ll be sorry to lose you!

    If you’d like to add someone to your insurance for temporary cover, just speak to us on live chat and we’ll look into that for you.

    Yes, as long as your car is being fixed by one of our approved repairers.* You can also get Upgraded Replacement Car cover, which gives you a free replacement car for up to 21 days if you crash or your car is stolen.

    Have a look at the full details.

    * Subject to availability

    With ingenie, you can have a maximum of 3 named drivers on your insurance. If you want to add a named driver just speak to us on live chat.

    When you leave ingenie, the black box in your car becomes your property. If you’ve got a self-fit box, we’ll send you a Freepost label to send the box back to us as the box can be reset and used again. It’s good to recycle!

    If you've got a fitted black box, you don’t need to have it taken out because we deactivate it remotely so it stops collecting data. If you’d like the box to be removed by one of our engineers, it costs £85 and you just need to call our box fitting team on 0330 024 1086.

    Find out more about our charges.

    That's fine, as long as the owner is your parent, husband/wife or civil partner and you have their permission. You will need to be the registered keeper of the vehicle and have your name on the V5C document (log book), though.

    Find out more about a car’s V5C.     If your car is stolen, you’ll need to get a Crime Reference Number from the police and then call us on 0330 303 0021. We’ll help the police with locating your car.

    Find out more about stolen car recovery.     ‘Fraid not. We don’t insure cars that have been modified in any way.

    Modifications are things like tinted windows, nonstandard alloys and/or wheels, body kits, performance enhancements, transfers and decals. If you’re not sure if your car’s been modified, get in touch with the manufacturer or look online for the car specs.

    Get the full story on modifications.     We only collect data related to your driving, so we can give you feedback. We promise:

    • We will not release your data to the police or to any civil authorities, unless we suspect fraud or attempted fraud, or if we are required to do so by law or a court order
    • We will not be using your driving data as a 'speed camera'
    • We will not use the data to decline your claim simply because you were driving above the legal speed limit
    • We will use the data to help us identify if another driver is making a false claim against you
    • We will use the data to help us identify if you are making a false claim
    We use your black box to build up a picture of your driving style – your speed, acceleration, braking and cornering. We then review the price of your insurance 3 times a year at 3, 6 and 9 months. Reviews are based on how you’ve been driving over the previous 3 months. Drive well and you’ll pay less.Insurance companies usually reward customers by offering a No Claims Discount for each year you go without claiming. ingenie offers a No Claims Discount that's built into your quote, and gives you extra discounts if you drive well.

    Yes, ingenie customers can earn an NCD by completing the full 12 months of insurance without making a claim. Your NCD is applied to your renewal quote but if you decide not to renew then we'll upload proof of your NCD to your policy account once your policy is finished.

    We’ll upload your renewal quote to your policy account about 17 days before your insurance is due to end. Lots of things go into calculating this quote - how you’ve driven, your No Claims Discount and whether you went over your mileage are just a few.

    ingenie insurance is for a whole year and we don’t offer breaks or pauses at the moment.     Your premium is reviewed 3 times a year at 3, 6 and 9 months. Your last 3 months of driving is used to help us work out your renewal price. We work out this price from your driving data, plus any No Claims Discount you’ve earned. Things like how many miles you drove in the previous year and any details that have changed will also go into the calculation.The max you can earn off your insurance is 21% of your original price and you could pay up to 10% extra if you drive poorly. You'll find the exact amounts on the score section of your ingenie app or My account area. You can also see how much you can save over the whole year in your policy documents.Every 10 days, we’ll update your driving score and tell you what discount or increase you’re on track for at your next price review. If you’re on track for a discount, keep working on your feedback because you could push it up even higher! If you’re on track for no discount or an increase in price, try to keep up with your feedback messages as these will show you the areas you can improve. You can also check out our How to improve section, which you’ll find on the app and My account area. There’s also loads of advice in the Young Driver’s Guide.The cost of repairing or replacing your car is only one of the factors that goes into calculating your insurance price. Repairs to other cars or property you damage are also taken into consideration but that’s not what makes crashes so costly.

    The true cost of a crash is when people are hurt. Care for someone who’s seriously injured can cost millions - that’s what we have insurance for. It protects us and anyone we hurt against the massive long-term cost.

    More personal injury claims, particularly for whiplash, have also made insurance more expensive, which is why your insurance may cost more than your car. The car itself is the least of it!    Insurers look at loads of things to work out your insurance price, including your age, job, where you live and your car. They also look at the cost of repair, how much other people with your details crash and how much compensation for injuries and damage cost. ingenie also use the black box to build up a picture of your driving style, so we can review the cost of your insurance 3 times a year based on your driving.Nope, there‘s no additional cost as it’s part of what you pay for your insurance. However, a charge may apply if you change your car or cancel your policy.Yes, if you don’t want to pay for your insurance upfront, you can choose monthly instalments. You’ll normally be asked to pay a 20% deposit followed by 10 monthly payments. This way of paying is kind of like a loan that you pay back each month, so there’s an APR (a bit like interest) on it.The price of your insurance is reviewed 3 times a year based on how you’ve been driving. If you drive well, you’ll get a discount on your insurance - up to 21% off! If you drive poorly, the price of your insurance can go up by 10%. You can see the maximum amount your insurance price can change on your quote.We use the data from the black box in your car to build up a picture of your driving style. We then review the price of your insurance 3 times a year based on how you’ve been driving if you drive well then the cost of your insurance will come down by up to 21%.We have to refund money to the account you used to pay for your insurance. If the account closes, we’ll need confirmation from the bank. Once we have this we’ll send you a cheque.     The heatmap is linked to your driving feedback and shows you the areas where you can improve in each driving category.
    • If the spots on the map are red, then more harsh driving happened here.
    • The lighter areas show where some harsh driving happened and circle the roads to focus on.
    You can use the heatmaps to focus on improving your braking, cornering and speed, on the specific roads you find yourself driving on regularly.     We assess these areas of your driving with the GPS and accelerometer data from your black box.

    We measure acceleration (g-force) using the accelerometer in the box. Acceleration means the rate at which speed changes. So, if your speed increases rapidly over a short period of time, it will mean more acceleration than if you speed up gradually.

    Braking also uses your box’s accelerometer data and is basically the opposite of acceleration: the rate at which your car slows down.

    Cornering looks at the rate at which your car turns. The 2 main factors that determine the g-force generated when cornering are the angle of the corner and the speed at which your car is travelling. The tighter the corner, the slower you should approach and travel around the bend.

    We calculate your speed using the GPS signal transmitted from your box - it’s the rate at which you move from one point to another. That speed is then compared to our database of speed limits across the country. Doing speeds that could get you a speeding ticket and points will affect your driving score.

    If you get a Highly Dangerous message:

    1. Your score will be set to zero for the rest of the quarter but you'll start the next quarter with a clean slate
    2. You'll get the highest increase you can for that quarter
    3. Your policy will be put on review and unless we see a significant improvement in your driving, your insurance will be cancelled
    4. If you receive a second Highly Dangerous message at any time over the year, your insurance will be cancelled
    Warning: driving at unacceptably high speeds or creating an extremely high number of harsh braking or harsh cornering events may lead us to cancel your insurance with us immediately     Yep, we’ll send your discount by bank transfer to the account you used to pay for your insurance.The quote we give you is based on things like your age, your car, how long you’ve been driving and where you live. We then work out discounts based on how you drive - if you drive well, you’ll earn money off your starting price.ingenie is about creating a community of better, safer drivers. We’re trying to make insurance more affordable for the people it costs the most by proving young drivers can be skilful drivers - so we can’t allow unacceptably dangerous speeds.

    If we do see these kinds of seriously reckless speeds, we’ll try to contact you by phone to tell you we’ll be cancelling your insurance, and follow up with a letter confirming the cancellation.    You’ll get driving feedback messages about every 10 days, as long as you’ve driven at least 40 miles in that time. If you haven’t had any yet, it might be that you haven’t driven enough miles for us to give you a good idea of how you’re doing. If it’s been more than 10 days and you’ve definitely driven more than 40 miles, send us an email to connect@ingenie.com and we will look into it for you.Take a look at your driving messages on a regular basis as these will highlight the areas you can improve in. You’ll also find a How to improve section on our app and in the My account area, which covers each of the 4 key areas of your driving - speed, acceleration, braking and cornering.

    If we’re worried that you’re driving dangerously or you get more than 1 red (dangerous) message in the same area of your driving (like speed or braking), we may get in touch to have a chat about how to improve. This would include tips on how to improve your driving, helping you work towards earning good driving discounts.    We look at the trends in your driving to see where you’re doing well in your speed, acceleration, braking and cornering, and where you could improve. We then work out a score out of 100 (100 being the best) so you know how it’s going at a glance. If you’ve got room for improvement, take a look at the How to improve section on the app or in your My account area.Once your black box is fitted, you’ll get your first set of feedback messages about 10 days later, as long as you’ve driven at least 40 miles. If it’s been more than 10 days and you’ve definitely driven more than 40 miles, send us an email to connect@ingenie.com and we will look into it for you.Your messages are based on how you’ve been driving in the last 10 days (or since your last set of feedback) and shows you the areas you’re driving well in and where you can improve.

    This means that your latest feedback messages are not directly linked to your driving score. You’ll need to scroll back through all the feedback messages you’ve had since the start of the review period to see how your driving has affected your score.    Every 10 days, we’ll give you an overall driving score out of 100 for your speed, accelerating, braking and cornering. To help you improve your score, you’ll also get driving messages for each of the 4 key areas with some helpful tips. To find out more, check out our How ingenie works page.Yes, and we would love that because drivers who share their feedback with a parent are 10% less likely to have a crash. Pretty big deal.

    It’s easy to share your feedback - just log in to your My account area and go to the Share your feedback section. We’ll send an email invite to view your driving feedback.    You’ll get the link to set up your driving feedback account in the 48 hours after you’ve had your box fitted. We’ll send this to the email address you set up your insurance with, so make sure you can get into that email account. You’ll get your first set of driving feedback messages about 10 days after your box fitting - as long as you’ve driven 40 miles.So we have enough driving data to get a good idea of your driving style, we wait until your second set of feedback messages to give you a driving score and the discount you’re on track for.Not a problem - happens all the time. Send us an email to connect@ingenie.com with the garage's address and the date and time they had your car. We’ll check this against your driving data and update your feedback if necessary. Don’t worry - we’ll make sure your driving score and discounts aren’t affected by your mechanic’s over-enthusiastic checks.

    If your car has recently been in the garage and you think this might have affected your feedback, just fill in this form and we’ll be happy to check this for you.

    *Based on all ingenie customers Jul-16 to Jun-17
    N.B. Premium increases could apply for poor driving

    Copyright © Ingenie Limited

    Ingenie Services Limited is registered in England & Wales (No. 07465078) and authorised and regulated by the Financial Conduct Authority (FRN 568113). The Financial Conduct Authority's Register can be accessed through www.fca.org.uk/register. Ingenie Services Limited offers general insurance policies from a limited number of insurers.