Ingenie provides telematics-based car insurance for young or inexperienced drivers aged 25 or under.
Motorists aged under 25 often pay more for cover due to the high number of accidents and claims they make. Telematics can help cut insurance costs by using real data to calculate premiums instead of assumptions based on the driver’s personal details.
Safe drivers are rewarded with discounts – an estimated up front saving of £400 can be further supplemented by a possible 21% discount for good driving – and Ingenie offers regular feedback and tips to improve driver scores.
Although Ingenie may increase prices for bad driving, it doesn’t impose any curfews or mileage limits.
What types of cover does Ingenie offer?
Ingenie telematics is only available on single-car, comprehensive insurance policies.
Information about Ingenie
Ingenie offers a number of benefits for policyholders, including:
- A courtesy car while your car is getting fixed at an approved repairer.
- Up to 14 days’ cover for driving within Europe.
Ingenie is authorised and regulated by the Financial Conduct Authority.
How young drivers can cut the cost of car insurance
Young drivers are considered to be a ‘higher risk’ group when it comes to car insurance claims, and so premium prices are often sky high if you’re under 21. The good news is there are a few things you can do to help keep the cost of cover down.
Taking out a telematics insurance policy can be a good option if you’re a careful driver - premium prices are calculated on your actual driving style, not based on how other drivers in your age group perform. This means you pay less if you’re a safe driver.
Telematics policies usually put a limit on the number of miles you can cover in a year, and the less time you spend on the road, the less chance there is of you having an accident.
Adding an older, named driver to your policy can also lower prices., check out the video below for more cost-cutting tips.
And it always pays to shop around for cover, to see which insurer is offering the best deal. Get a car insurance quote today to see if you can cut your premium.