iGO4 Car Insurance Review

This is the ultimate review to guide you through iGO4 car insurance.

You might already know that iGO4 offers several car insurance policy options.
Some are great, others not so much.

So if you want to get:

• Better value for money for your car insurance
• Indicative quotes
• Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is iGO4 the best car insurance provider?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail iGO4 car policy terms and conditions and given our own ratings based on different criteria.

4 Safe overall rating for iGO4

	Our rating	Our opinion
Customer service & satisfaction		Excellent customer service during application and registration process Fast and easy access to a quote online No live chat feature available
Cover provided		Several optional extra coverages available in addition to the three main covers Upto 90 days cover for European travel included as standard Legal liability included as standard No telematics option available
Value for money		Reasonably priced premiums High cancellation fee High renewal fee
Financial strength for pay out		I go 4 is an online insurance broker that finds you the best deals possible from a panel of certified insurance therefore, they have a high ability to pay out claims.
Technology		User friendly website that is also mobile friendly Easy and fast access to your documents online Fast and easy application and registration process Online portal tends to crash sometimes and you might have to call them for assistance due to it Does not have the use of a telematics system option (Black box)

Expert and customer reviews on iGO4

We compiled expert and customer reviews from independent institutions, to give you an overall idea of iGO4's reputation.

Review organisation	Consumer satisfaction rates for iGO4
Defaqto expert rating for iGO4
TrustPilot	4/5 based on more than 4100 opinions

To check if iGO4 is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

Our review on iGO4 car insurance policy

I go 4 offers you the best insurance possible at affordable prices from a panel of various major insurers. This allows you to have additional covers from different insurers all included and paid for through one insurer which makes your work less stressful.

Apart from car insurance, they also offer Van Insurance as well as Home Insurance under their panel of insurance which again, provides you with many options to choose from. This way, you can get to choose the best options for you at the best prices.

What does iGO4 car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at iGO4?

Car insurance policy	Available at iGO4	Coverage in a nutshell
Third-Party Only		Passengers and third party covered Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft		Replacement of your car if stolen Damages caused due to theft or fire
Comprehensive		Cover third-party fire and theft Covers injuries to you and damages to your car

Main guarantees at iGO4 explained in details

Let's find out what does iGO4 covers in its car insurance policy.

Breakdown cover at iGO4

I go 4 Insurance offers 3 levels of Breakdown Cover that is provided by RAC (An automative repair service that they’ve partnered with to carry out their Breakdown Services to clients):

• Roadside Cover: This covers breakdown services within the UK more than 1/4 mile from your home address. It includes repair at the roadside or in the event your vehicle is misfueled. If they can’t fix your car at the roadside, they’ll transport the vehicle to the garage or a destination of your choice within 10 miles from the breakdown.
• Roadside and Recovery Cover: This inlcudes roadside breakdown services within the UK 1/4 mile from your home address, and local recovery of the vehicle and 8 passengers including the driver to a single destination. In the case of long distance travel, they can offer you a 24 hour car hire or overnight accomodation.
• Roadside, Recovery and At Home Cover: This covers the benefits you get with Roadside and Recover Cover along with Breakdown assistance if your car breaks down at your home address.

Keycare cover at iGO4

Up to £1500 for replacement of lost or stolen keys.

Windscreen cover at iGO4

Windscreen cover is included as a standard if you take the Comprehensive Policy but you can also have it as an additional cover if you did not take the Comprehensive Policy.
It covers damaged or broken windows and windscreen. Claims for Windscreen cover will not affect your NCB.

Motor legal protection at iGO4

Up to £100,000 of legal costs in case you are involved in an accident that is not your fault.

Coverage abroad at iGO4

I go 4 offers up to 90 days cover (standard across all levels of cover) while traveling to any EU country and other European countries based the Commission of the European Union approves as meeting the requirements of Article 8 of the European Union Directive on Insurance and Civil Liabilities arising from the use of motor vehicles (No.2009/103/EC).

No-Claim Bonus (NCB) at iGO4

Your NCB will keep increasing every year provided you don’t get yourself involved in any incident that may require you to file for a claim. You can also opt for an NCB protection cover at an additional charge.

If you’re involved in an accident that was your fault, your NCB will be affected. If the accident wasn’t your fault, your NCB will not be affected provided that I go 4 manages to recover the cost from the responsible party.

Claims on the following will not affect your NCB:

• Windscreen cover repair or replacement. (Note: Does not involve sunroofs or glassroofs)
• Emergency treatment fees on road side in case of injury during an accident.
• Incidents caused by vandalism or uninsured driver

At iGO4, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

NCB protection claims (number per year) : 2 claims in 5 years

How much does iGO4 car insurance cost?

You'll find below indicative car insurance quotes at iGO4:

Drivers'age	Monthly premium
18 years old	£111,50
40 years old	£45,98
60 years old	£33,90

Costs of iGO4 insurance car policies vary widely based on different factors such as:

• The driver’s age
• The date on which they received their driving licence
• The type of car
• Expected repair costs if the car is damaged
• The performance, safety and security of the car
• The driver’s address and how busy the streets in the neighbourhood are
• Who drives the car (any additional driver on the policy)
• The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.)
• Insurance taxes.

Is there any promo codes or discounts available at iGO4?

There is no specific discount apart from the No-Claim Bonus available at I go 4 Insurance

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

iGO4 car insurance policy summarized

Guarantees

	At iGO4
NCB benefit	Yes
Uninsured driver NCB benefit	Yes
Loss or theft of keys	£750 as a standard
Personal belongings	£400
Audio equipment	Excess- Not Stated Limit- £150
Medical expenses	Excess- Not Stated Limit- £200
Liability limit for property damage	£20,000,000
Legal expense	£100,000
Courtesy car benefit	As standard
Courtesy car cover	Duration of repair of your car
Coverage abroad	90 days

Excess

	At iGO4
Fire excess	Excess- Not Stated Limit- £250 (sign writing, advertisements, logos or specialised artwork)
Theft excess	Excess- Not Stated Limit- £250 (sign writing, advertisements, logos or specialised artwork)
Accidental damage excess	Not stated
Windscreen replacement excess	£60
Young driver excess	Not Stated

Admin fees

	At iGO4
Interest charged by payment installments	Not Stated
Renewal fees	£60
Cancellation fees	Cancellation fee during Cooling off Period (14 days): £35 Cancellation fee beyond Cooling off Period (14 days): £65
Modification fees	Policy Change fee is £25 if you do it offline and £0 if you do it online.

Other car insurance policies available at iGO4

iGO4 business car insurance

If your Certificate of Motor Insurance includes business use, I go 4 will cover your employer if an accident happens while using the car for business in the event that there is no presence of any specific insurance.

iGO4 van insurance

Since I go 4 insurance finds you the best of insurance deals from a panel of insurers such as Aviva, Ageas, Highway, Covera, Sabre, etc, there might be some between the policies offered and we advise you to do your due diligence and go through the policy documents of whichever insurer you pick to cover your van.

How to contact iGO4 auto insurance?

iGO4 phone numbers

You will find all important phone numbers to contact iGO4 car insurance:

	Contact number	Opening hours
Customer service	01733 308235	Monday to Friday: 9am-8pm Saturday: 9am-5pm Sunday: 10am-4pm
Claims	0333 241 9566	Available 24/7
RAC Breakdown Assistance	0330 159 0251	Available 24/7
Windscreen Repair or Replacement	0800 1694 677	Not Stated
Complaints	01733 308235	Not Stated
Renewals	01733 308320	Monday to Friday: 9am-8pm Saturday: 9am-5pm Sunday: 10am-4pm

iGO4 other contact details

You'll find below iGO4 main contact details:

	Contact details of iGO4
Email address	[email protected]
Customer account with iGO4 login	IGO4 Account Login
Social media	Twitter, Facebook, Instagram
Chatbot	No

You can also contact them by mail by writing to iGO4 car insurance:

iGO4 House, Staniland Way,
Peterborough,
PE4 6JT.

How to cancel your car insurance at iGO4?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.

Since car insurance is a legal requirement, iGO4 as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, iGO4 has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.

You would need to have various documents ready such as:

• your policy number (right hand corner of your documents);
• your bank details; and
• your payment method in case there are cancellation fees.