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BLACK BOX CAR INSURANCE

Getting affordable cover for young people is a challenge which is why we have partnered with an innovative policy provider. 

Your child getting their first car is an exciting time for both of you, as hopefully you’ll no longer need to be the family taxi service! However, there are two concerns when your child goes on the road on their own for the first time:

  • Will they be safe?
  • How can we afford the insurance?

ingenie provides black box car insurance, helping young drivers get discounts on their car insurance based on how well they drive.

Safety is so important, that’s why ingenie rewards safe drivers with cheaper insurance. They fit a small black box in the car (or send a self-fit box depending on the type of car) and update the driver with regular driving feedback and a score out of 100 based on their speed, acceleration, braking and cornering.

The driver receives feedback every 10 days or so and has their premium reviewed three times a year, keeping them engaged with how well they’re driving.

The higher the score, the bigger the discount – up to an extra 21% during their first year*.

ingenie stats image July 2020

Why parents of 17 to 25-year olds choose ingenie
After just one year with ingenie, drivers more than halve their risk of crashing - which is huge considering that most new driver crashes happen in the early stages of getting a licence. 

7/10 ingenie drivers also earn a discount off their insurance price*.
Three times a year, the driver's policy is reviewed and a discount is applied if they're driving well.

Renewal savings and building up a no claims discount
After a year with ingenie, on average, the cost of drivers' insurance comes down by around 35% – that's an average of £500 cheaper**. The driver will also build up their own no claims discount which is valuable when getting car insurance in future.

Black box fitted in the car
An ingenie engineer will come out in the first two weeks to install the black box out of sight in the car, or you'll be sent a self-fit box in the post. Don't worry – the driver will still be insured from day one.

No curfews
They focus on how their customer drives, not when they drive - so there's no night-time curfew.

Regular driving feedback
Drivers can download ingenie’s app or go online and receive feedback on how they're driving.

Free stolen car recovery
If the car is stolen, they can work directly with the police to locate it – most stolen cars have been located within two hours.

Save money by encouraging good driving
Many young drivers have a crash within the early stages of passing their test, which is why car insurance can be expensive for this age group. However, with ingenie, when a parent is involved and able to access their child's driving feedback, it lowers the risk of them crashing by 10%. 

By helping young drivers stay safe on the road, ingenie can reward them with discounts on their insurance. With regular feedback, useful advice and rewards for being safe, any driver can be a good driver.

*Premium increase could apply for poor driving
**Based on ingenie renewals at end of first year, July 19-June 2020

 

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ingenie partnership logo july 2020

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.


 

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