Are there curfews on this policy?
Unlike some other black box insurers, there’s no threat of turning into a pumpkin with them. They’re more interested in how you drive than when you drive.
Does this insurance give me a free courtesy car cover if my car’s damaged in a crash?
Yes, as long as your car is being fixed by one of our approved repairers. You can also get an 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 here:
Ingenie Policy Information
What if I go over the speed limit?
Speeding is one of the things they look at in your driving data so it does have an impact on your discounts. That said, they’re not a speed camera. They’ll only get in touch if they’re worried about your safety.
They would only consider cancelling your policy in extreme cases, and they 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 them.
Can I pause my insurance?
Ingenie insurance is for a whole year and they don’t offer breaks or pauses at the moment.
What if I cancel my insurance?
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 £175 to cover the cost of the black box and its fitting.
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:
Ingenie Policy Information
How long can I insure with Ingenie Learner?
Because everyone learns differently, you can choose learner cover for anything from one month to 6 months at a time. If you pass before your chunk of insurance is finished, they’ll give you a refund for the time you didn’t use. If you need longer, you just buy another chunk the same way you did the first time around.
Be careful: your learner insurance ends the minute you pass your test so you’ll need to call them to upgrade to your full Ingenie insurance before you drive.
How do I cancel my Ingenie Learner insurance?
When you buy Ingenie Learner, you have 14 days to cancel and get a full refund as long as you bought more than a month’s cover. It’s called a cooling-off period.
You can also cancel at any time during your insurance with no charge, and you’ll be refunded for any full months you have left as long as you haven’t had to make a claim.
When will I get my renewal quote?
They’ll send you your renewal quote 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.
Can I pay by monthly instalments?
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.