Frequently Asked Questions
Is there a limit to the number of times I can drive in the red hours before my insurance is cancelled?
There is no limit to the number of times you can drive in the red hours; however, the i-kube young drivers car insurance scheme is in place to help you save money. If you will be frequently driving your vehicle during the Red Hours then perhaps i-kube is not for you.
An additional premium of £60 is applied each night you use your vehicle in the Red Hours. If you do not use or move your car during the 'red hours' you will not be charged this fee and all you will pay is your usual monthly or annual car insurance premium.
Failure to pay any premiums may result in your policy being cancelled.
What really is tracked by the i-kube box? Will i-kube pass this data on to any third parties?
The i-kube box is fitted so we can see if your car is driven between 11pm and 5am. Unless under special circumstances or unless required for the prevention and detection of crime, we do not use it for any other reason.
I might need to move my car after 11pm if I've blocking someone in my driveway. Will I be charged?
No. We understand that you may need to move your car in circumstances such as this. As long as your car does not move more than 100 metres then you will not be charged.
Do I have to have the Pass Plus qualification?
No you don't have to have the Pass Plus qualification, but if you do have the pass plus, statistically you are less likely to have an accident. i-kube provides a discount for the pass plus qualification which could greatly reduce your young driver car insurance premium even further. You don't need to complete the pass plus before you take out the policy, we will allow you 30 days from the start of the policy in which to complete the course.
There is a lot of government funding available for road safety and pass plus, you may wish to look at www.passplus.org.uk. This website gives details on the course and many of the councils that are involved have a reduced price scheme.
Do I still earn a No Claim Bonus on i-kube?
Yes. When it comes to earning No Claims Bonus or No Claims Discount, i-kube works no differently to any other insurance policy. On completion of a full term of insurance (12 months) you will accrue one year No Claims Bonus which can be transferred to your next policy at renewal. This is subject to there being no fault claims during the life of the policy.
Am I able to alter the "Red Hours" to suit my own needs?
Unfortunately not. The "Red Hours" are in place to protect you. Road Safety statistics prove that young drivers are more likely to be involved in road accidents during the Red Hours.
Does my vehicle have to be parked at my home address during the "Red Hours"?
No. As long as your vehicle is not being driven or moved during the "Red Hours" then your vehicle can be parked up anywhere in the U.K.
How many and what type of modifications are allowed?
i-kube will allow minor cosmetic changes to your vehicle but anything that is deemed performance enhancing is not covered. For instance, i-kube would allow alloy wheels (as long as they are no more than 1 inch bigger than the original wheel), but would not allow a change in suspension to make the car more rigid on the road.
Will I be allowed to drive other cars on the i-kube policy?
I'm afraid not. i-kube young drivers insurance offers great value comprehensive cover for you to drive the insured car only.
Can I get insurance with i-kube if I do not own the car?
i-kube is designed to allow young drivers (aged 17 - 25) to gain their own No Claims Discount on their own vehicle. Hence, the insured (i.e. main driver) must also be the registered owner and keeper of the insured vehicle.
Can I insure my car in my parent's name?
No. This is known as "insurance fronting". This is illegal and is classed as obtaining insurance by deception. If the vehicle is solely or predominantly used by the young driver the policy must be insured in the main driver’s name. If the insurer finds out they are likely to cancel the policy or worse still, in the event of an accident, refuse to pay out.
You can add a parent onto your policy as a named driver. This normally drives a small premium discount of approximately £20.
I have a motorbike and I'm coming up to my first years no claims discount. Could I transfer this across to my car policy with i-kube?
Like most car insurance policies, I'm afraid we do not accept no claims discount earnt on motorbikes.
Can I add my girlfriend/boyfriend on the i-kube policy?
i-kube young drivers car insurance will allow named drivers on the policy. Drivers under 25 can be added as a named driver but they must be a spouse, common-law spouse or brother/sister. If the named driver is over 25 there are no restrictions in that sense however all named drivers must fit the i-kube criteria and be legally fit to drive.
Can I have a non-UK drivers licence?
i-kube can accept both full UK and European drivers licences but is unable to accept international licences.
Can I get insurance on a provisional licence?
Yes. i-kube can offer cover for both provisional and full licence holders aged 17 to 25. We've teamed up with a panel of specialist insurers that offer different packages - based on the type of licence you have. Call us on 0845 602 6925 and we can talk you through the options available to you.
i-kube has been developed to provide excellent cover at low cost so that young drivers could insure their own vehicles.
To find out more or to get a quote call 0845 602 6925
