iGO4 Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

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 ratingOur 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)

Safe rating for iGO4

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 organisationConsumer satisfaction rates for iGO4
Defaqto expert rating for iGO4 defaqto 5 stars
TrustPilot4/5 based on more than 4100 opinions
Consumer satisfaction rates on reviews for iGO4

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.

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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 policyAvailable at iGO4Coverage 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
Car insurance level of cover available at iGO4

Keep in mind that you can always add optional extras to your policy.

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.

Personal policy injury available at iGO4

Up to £5000 if you or your spouse is injured, dead or lost a limb as well as total loss of sight in one or both eyes.

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

A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium. 

iGO4 car insurance terms and conditions

How much does iGO4 car insurance cost?

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

Drivers'ageMonthly premium
18 years old£111,50
40 years old £45,98
60 years old£33,90
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

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.

The higher risk you represent, the more expensive your policy will be.

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

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

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 benefitYes
Uninsured driver NCB benefitYes
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

Guarantees at iGO4

Excess

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

Not Stated

Excess at iGO4

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.

Admin fees at iGO4

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 numberOpening 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

Contact numbers at iGO4

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 mediaTwitter, Facebook, Instagram
ChatbotNo
Contact details at iGO4

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.

For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.

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.

iGO4 could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.