Car insurance

ingenie has become the go-to brand for new drivers looking for their first car insurance policy. We understand that it can be confusing first time around, so let us walk you through every stage, cut through the jargon and get you on the road for less than you might think.

What is a No Claims Discount?

It's a discount for no claims - I know. But what does that mean? Put simply - you can earn a No Claims Discount (NCD) or No Claims Bonus (NCB) over the insurance year (12 months) by not making a claim on your policy that would result in...

Temporary insurance for under-25s

Picking up a car? Borrowing a friend's? Even if it's just for a day, you'll need temporary car insurance. If you have your own policy, that would cover damage to YOU - but not your friend's car. Get your own temporary insurance for the car...

What is fronting?

Fronting means putting someone (usually a parent) on an insurance policy as the main driver and yourself as a named driver, when actually you'll be the one driving the car most of the time. Fronting is used as a way to make an insurance...

What’s so bad about car modifications?

Generally, 'modifications' are any changes that weren't part of the original manufacturer spec, like non-standard alloys or tinted windows. You need to know whether or not your car has been modified as it can make your insurance more...

What are car insurance groups?

Since 2007, all cars have been categorised into one of 50 insurance groups, with 1 being the lowest and cheapest in terms of insurance premiums. As new cars come to market, a group of boffins get together to decide how they should be rated...

Why is young driver insurance so expensive?

This is one of the questions we get asked the most at ingenie. Many people think that it's just about covering the cost if their car is damaged or stolen, but that's just one of the many factors taken into consideration when calculating...

What is a car insurance excess?

The excess is the amount of money your insurance company will ask you to pay if you make a claim on your policy. It does get a little more complicated than this since the excess is usually split into 2 parts, which are added together:...