If you’re a learner or young driver in Ireland, car insurance can feel like a losing game—high premiums, little experience, and few affordable options. GetSetGo Insurance has built its entire model around that exact problem, offering telematics-based policies that reward careful driving with lower costs.
Trustpilot rating: 4.3 out of 5 (8,282 reviews) ·
Underwriter in Ireland: MCL Insurance Services (Ireland) Ltd ·
Claim denial rate (industry benchmark): U.S. average 11% (Statista) ·
Black box option available: Yes, telematics-based policies
Quick snapshot
- GetSetGo offers telematics (black box) insurance designed for younger drivers (GetSetGo.ie)
- Underwritten by MCL Insurance Services (Ireland) Ltd (GetSetGo.ie)
- Trustpilot score of 4.3 out of 5 from 8,282 reviews (Trustpilot)
- Exact claim denial rate for GetSetGo (not publicly disclosed)
- How much black box saves specifically for GetSetGo customers
- Founded in Ireland in the 2010s (GetSetGo.ie)
- Expanded online telematics offerings around 2020 (GetSetGo.ie)
- Continued growth in telematics insurance for learners and young drivers in Ireland
Six key facts about GetSetGo Insurance at a glance, with the most important figures sourced directly from the provider and independent reviewers.
| Label | Value |
|---|---|
| Company name | GetSetGo Insurance |
| Underwriter (Ireland) | MCL Insurance Services (Ireland) Ltd |
| Regulator | Central Bank of Ireland |
| Trustpilot score | 4.3 / 5 (8,282 reviews) |
| Telematics available | Yes |
| Avg. black box savings | 20-40% (industry average, Switcher.ie) |
Who is GetSetGo insurance?
What is the history of GetSetGo Insurance Ireland?
- Founded in Ireland in the 2010s as an online-only insurance broker (GetSetGo.ie)
- Targets young and learner drivers with telematics-based car insurance (GetSetGo.ie)
- Expanded its digital telematics offerings around 2020 (GetSetGo.ie)
GetSetGo operates entirely online, which helps keep premiums lower by cutting out traditional broker overhead. The company’s focus on telematics—also called black box insurance—puts it in a growing niche within the Irish market.
The implication: For learner and young drivers who often face the highest premiums, GetSetGo positions itself as a modern, digital-first alternative to legacy insurers.
What are the benefits of using GetSetGo?
How does GetSetGo compare to traditional insurers?
- Competitive pricing for learners and new drivers (GetSetGo.ie)
- Telematics black box option that rewards safe driving with lower premiums (Switcher.ie)
- Online-only model reduces administrative costs, potentially passed on as savings (GetSetGo.ie)
- Mixed reviews on claims process—some customers report delays (Trustpilot)
What are the pros and cons of GetSetGo insurance?
Upsides
- Black box can lower premiums for safe drivers by 20-40% (Switcher.ie)
- Online management is fast and convenient (GetSetGo.ie)
- Targets the underserved young/learner driver segment
Downsides
- No publicly available claim denial statistics from GetSetGo
- Telematics may not suit drivers who do significant late-night driving (MoneySuperMarket)
- Mixed customer service reviews on Trustpilot
The trade-off: You get cheaper upfront premiums if you drive safely, but the insurer has full visibility into your driving habits—and any misstep can raise your rate.
For a learner driver paying €1,500+ annually, a 20-40% reduction from a telematics policy could mean €300-600 back in your pocket each year—real money for someone just starting out.
Is get set go insurance a black box policy?
How does a black box (telematics) policy work?
GetSetGo offers telematics insurance, which uses either an installed device or a smartphone app to monitor driving behavior. The system tracks acceleration, braking, cornering, speed, distance, location, and time of day (Switcher.ie). In Ireland, black box options include engineer-installed devices, plug-in OBD devices, or smartphone apps.
- Better driving scores lead to lower premiums over time (GetSetGo.ie)
- Some insurers also provide driving feedback via app to help improve skills (Switcher.ie)
How much cheaper is insurance with a black box?
UK data from MoneySuperMarket shows that telematics saves drivers aged 17-19 an average of £1,315 (43%) compared to non-telematics policies (MoneySuperMarket (UK market data)). In Ireland, industry estimates put savings between 20-40% depending on driving behavior and the provider (Switcher.ie). GetSetGo doesn’t publicly disclose its own savings averages, so individual results can vary.
The pattern: The biggest savings go to the riskiest drivers (young, new) who prove they are safer than their demographic suggests.
Who underwrites get set go car insurance in Ireland?
Is MCL Insurance Services a regulated entity?
GetSetGo’s car insurance policies are underwritten by MCL Insurance Services (Ireland) Ltd (GetSetGo.ie). MCL is regulated by the Central Bank of Ireland (as required by Irish law for all authorised insurers). This means GetSetGo’s policies fall under the same regulatory oversight as any other Irish insurance provider.
What this means: Your policy is backed by a regulated underwriter, which adds a layer of consumer protection through the Central Bank’s complaints and compensation frameworks.
What car insurance cover is the cheapest?
How does GetSetGo compare to other cheap car insurers in Ireland?
Third-party cover is usually the cheapest option, but for young drivers in Ireland, telematics policies from providers like GetSetGo, Boxymo.ie, and 123.ie can offer lower premiums than standard comprehensive cover (Switcher.ie). GetSetGo’s online-only model and telematics scoring can make it the cheapest option for learner drivers who maintain good driving habits.
| Provider | Telematics option | Key feature |
|---|---|---|
| GetSetGo | Yes | Online-only, targets young drivers |
| Boxymo.ie | Yes | Black box for young drivers |
| 123.ie | Yes | Telematics with app feedback |
| its4women | Yes | Discounts for drivers under 25 (its4women.ie) |
The catch: Cheapest upfront doesn’t always mean cheapest in the long run—a single harsh braking event or a few late-night drives can trigger a premium hike.
Which insurance company denies the most claims?
U.S. industry data from Statista shows an average claim denial rate of 11% across all insurers (Statista (U.S. data)). No comparable Irish-specific denial rate is publicly available for GetSetGo or its competitors. Consumer reviews on Trustpilot suggest that some customers have faced claim disputes, but a systematic comparison requires transparency that Irish insurers currently don’t offer.
Why this matters: Without public denial data, Irish drivers must rely on review platforms and word of mouth—which can be skewed toward negative experiences.
GetSetGo offers a transparent pricing model upfront, but the claims process remains opaque. Young drivers should read policy documents carefully and consider how a telematics black box might affect a future claim.
Clarity: What we know and what’s still fuzzy
Confirmed facts
- GetSetGo is an Irish insurance broker offering telematics car insurance (GetSetGo.ie)
- Underwriter is MCL Insurance Services (Ireland) Ltd (GetSetGo.ie)
- Trustpilot rating of 4.3/5 from over 8,200 reviews (Trustpilot)
- Black box policy is available (GetSetGo.ie)
What’s unclear
- Exact claim denial rate for GetSetGo (not disclosed)
- Specific savings from telematics for GetSetGo customers (no public data)
- How telematics scoring compares to competitors like Boxymo or its4women
“I saved over €400 on my first year of insurance with GetSetGo. The app is easy to use and gives feedback on my driving.”
– Verified GetSetGo customer on Trustpilot
“Telematics insurance is a way for younger drivers to prove they are safe and get rewarded with lower premiums.”
– Statement from MCL Insurance Services (Ireland) Ltd (via GetSetGo.ie)
GetSetGo Insurance fills a real gap for young Irish drivers who want to avoid sky-high premiums. The black box model makes financial sense if you drive well, but the lack of public claims data and variable customer service experiences mean it’s not a one-size-fits-all solution. For a learner or newly licensed driver in Ireland who is confident in their driving habits, GetSetGo’s telematics offering is worth a quote—but compare it with at least one other provider (like Boxymo or 123.ie) before committing.
Frequently asked questions
What types of insurance does GetSetGo offer?
GetSetGo primarily offers car insurance with a telematics option, plus home insurance and travel insurance.
How do I get a quote from GetSetGo?
Visit getsetgo.ie and complete the online form. You’ll need your personal details, vehicle info, and driving history.
Can I manage my policy online?
Yes, GetSetGo provides an online portal and mobile app for policy management, claims, and driving feedback.
Is GetSetGo regulated by the Central Bank of Ireland?
GetSetGo is a broker, and its underwriter MCL Insurance Services (Ireland) Ltd is regulated by the Central Bank of Ireland.
How do I contact GetSetGo claims department?
You can call GetSetGo’s claims team at the number provided on their website or submit a claim through the online portal.
What documents do I need to apply for insurance with GetSetGo?
You’ll need a valid driving licence, vehicle registration details, and information about your driving history and no-claims bonus.
Does GetSetGo have a mobile app?
Yes, GetSetGo offers a mobile app for policy management and telematics tracking.
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