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A parent's guide to ingenie car insurance
ingenie is taking a new approach to car insurance for drivers aged 17 to 25. We can offer young people, especially teenagers and new drivers, car insurance based on the way they drive – so those who drive better could be rewarded with lower premiums.
Key points:
Young drivers are ten times more likely to be involved in a crash compared to older drivers
ingenie is fresh thinking car insurance taking a new approach to road safety
Latest telematics technology records individual driving style
Groundbreaking approach to driver feedback via a mobile app with Twitter-style messages
Positive approach to encourage improved skill and precision without curfews or limitations
Treating each driver as an individual and not grouping all young drivers together like traditional insurance
Better driving rewarded every 3 months, not every 12 months
Technology that could detect a crash and trigger recovery or emergency assistance
In-built GPS technology can assist the Police to recover stolen cars
Building a community of better drivers, making insurance more affordable and creating safer roads for everyone
A fairer kind of car insurance
If you've started looking into car insurance for your son or daughter you'll already know that premiums are very high. That's because new and young drivers are far more likely to have a crash, so they're higher risk. But ingenie is a new kind of car insurance. We don't just look at the statistical risk. Instead we let each young driver take responsibility for the way they drive. We use the latest telematics technology to capture each driver's unique style and the better they drive, the less they could pay. Drive badly and their insurance could go up, but we do protect them with a ceiling price that is highlighted to you when you get your quote.
Improving driving skills
The device fitted in the driver's car does not restrict mileage or impose curfews. It relays information to us about speed, acceleration, braking, swerving and cornering – areas that demonstrate the driver's ability to control the car.
To help young drivers improve, we send useful feedback to the driver's mobile via the ingenie app. Fortnightly Twitter-style messages will help the driver hone their skill and precision on the road. The same information can be viewed at ingenie.com where they can also review their overall style, and in the future even compare their performance to their peers – all things that might help put your mind at rest as a parent.
Feedback from parents is that many would like to view this information, especially if their son or daughter has just passed their test and is driving on their own for the first time. Parents can access the driving feedback via the app or the website.
Safer roads for everyone
This approach means there's a real connection between the way a young person drives and the cost of their car insurance. Research among young people indicates this is a very meaningful way to reinforce the safe driving message. At ingenie we'd like to think that this fresh approach to insurance can really help make safe driving second nature for a new generation of road users.
Help in an emergency
In the event of a crash, it’s not always easy to think straight. That's why there is a step by step guide about what to do in the event of a crash on the ingenie mobile app. There is also a quick link to our call centre for customers requiring urgent assistance, accident recovery or the claims line.
For added peace of mind ingenie's technology could detect a crash and trigger recovery or emergency assistance.
Breakdown assistance
Adding Breakdown cover to ingenie driving insurance means that in the event of a breakdown anywhere in the UK and Europe, help would quickly be available.
Going the extra mile
ingenie has partnered with a2om®, a new approach to learning to drive. We sponsor the a2om® Learner Drive guide for Parents – a free handbook to help make informed choices about every aspect of learning to drive – from choosing an instructor to booking the test, passing and beyond.
Drive iQ PRO (developed by a2om®) is a new approach for learning how to drive, covering aspects that are not traditionally covered in driving lessons including hazard perception, distraction and peer pressure.
Click here to find out how ingenie is helping learner drivers to get on the road.
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