Only Young Drivers / Only Smart Drivers Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

This is the ultimate review to guide you through Only Young Drivers / Only Smart Drivers car insurance.

You might already know that Only Young Drivers / Only Smart Drivers 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 Only Young Drivers / Only Smart Drivers 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 Only Young Drivers / Only Smart Drivers car policy terms and conditions and given our own ratings based on different criteria.

3 Safe overall rating for Only Young Drivers / Only Smart Drivers

Our ratingOur opinion
Customer service & satisfaction

Online quote generation and application
No live chat feature available
According to customer review sites, their customer support is not transparent about hidden fees
Low customer satisfaction rate on reviews.co.uk

Cover provided

Specialist Insurance Company focused on providing telematics insurance
Only Young Drivers works with top insurance companies in the UK to provide telematics insurance such as Aviva, Ageas, Covea, Sabre and MIDAS Underwriting
Offer Black Box Insurance
Up to 35 to 90 days European travel cover included as standard. Number of days and level of cover varies depending on underwriter
Lack of a wide range of options available
Lack of wide range of optional extras

Value for money

No Claims Discount available
Potential to lower premium price based on your driving score
No renewal fee
Unjustified high priced premiums
High cancellation fees of £79.95

Financial strength for pay out

Only Young Drivers is an insurance broker who offers telematics insurance that is offered by a panel of insurers made up of some of the top insurance companies in the UK such as Aviva, Ageas, Covea, Midas and Sabre which gives the company a high capability to pay out claims.

Technology

Only Young Drivers offers black box insurance
Quote generation can be done online
User friendly website
According to customer reviews, black box is prone to errors which may end up affecting your premium price

Safe rating for Only Young Drivers / Only Smart Drivers

Expert and customer reviews on Only Young Drivers / Only Smart Drivers

We compiled expert and customer reviews from independent institutions, to give you an overall idea of Only Young Drivers / Only Smart Drivers's reputation.

Review organisationConsumer satisfaction rates for Only Young Drivers / Only Smart Drivers
TrustPilotno
Consumer satisfaction rates on reviews for Only Young Drivers / Only Smart Drivers

To check if Only Young Drivers / Only Smart Drivers 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 Only Young Drivers / Only Smart Drivers car insurance policy

Only Young Drivers/Only Smart Drivers is a specialist insurance broker focused on providing telematics insurance to young drivers.

The company works with a panel of leading insurers in the UK such as Aviva, Highway, Ageas, Sabre and Covea to provide black box insurance across all levels of cover: Comprehensive, Fire, Theft and Third Party and Third Party Only. The levels of cover available may vary from insurer to insurer. It is also important to mention that prices, excesses and limits also vary from insurer to insurer.

The company’s low customer satisfaction rate discourages us from recommending it to you. If you’re looking for black box insurance we would recommend considering Drive A Like A Girl.

What does Only Young Drivers / Only Smart Drivers car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Only Young Drivers / Only Smart Drivers?

Car insurance policyAvailable at Only Young Drivers / Only Smart DriversCoverage 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 Only Young Drivers / Only Smart Drivers

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

Main guarantees at Only Young Drivers / Only Smart Drivers explained in details

Let's find out what does Only Young Drivers / Only Smart Drivers covers in its car insurance policy.

Breakdown cover at Only Young Drivers / Only Smart Drivers

Only Young Drivers has partnered with RAC (A motoring services company) to provide 4 levels of breakdown cover to their customers:

  • Roadside Cover: this covers breakdown services within the UK more than 1/4 mile from your home address, towing services for up to 10 miles or taxi fare for up to 20 miles if your vehicle cannot be fixed.
  • Recovery Cover: in addition to the benefits that come with Roadside Cover, this inlcudes local recovery of the vehicle and 8 passengers including the driver to a single destination of your choice as long as it is within the UK.
  • At Home Cover: this covers breakdown assistance if your car breaks down at your home address or within 1/4 miles from your home address.
  • Roaside, Recovery, At Home and Onward Travel: this covers all of the benefits that come with the Roadside, Recovery and At Home Cover as well as alternative transport or overnight accomodation should they not be able to repair your vehicle at the roadside.
  • Onward Travel: this cover offers a replacement vehicle for up to 2 days if your vehicle cannot be fixed, or overnight accommodation, or alternative transport.

Keycare cover at Only Young Drivers / Only Smart Drivers

Up to £1500 (inclusive of VAT) for replacement of keys, locks, reprogramming of alarms and immobilisers and onward transportation in the event of loss or theft of car keys, home keys, office keys or security safe keys.

Windscreen cover at Only Young Drivers / Only Smart Drivers

  • Windscreen Cover as a policy upgrade is not available. It is included as a standard that comes with the comprehensive level insurance policy. It covers the repair or replacement of your windscreen, sunroof and windows as well as the repair of bodywork that may have been damaged by the broken glass.
  • Claims on windscreen cover will not affect NCD and is subject to excess.

Motor legal protection at Only Young Drivers / Only Smart Drivers

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 Only Young Drivers / Only Smart Drivers

  • Personal Injury cover is available as a standard in the comprehensive level policy only.
  • The cover ranges from £2500 to £5000 (depending on underwriter) if you, your spouse or civil partner is injured, dead or lost a limb above the wrist or ankle, or total sight in one or both eyes due to a car accident.

Coverage abroad at Only Young Drivers / Only Smart Drivers

The coverage for abroad insurance may vary from one underwriter to the other.

The covers will vary between 30 to 90 days with some covering the same level of cover you have in the UK while others providing only the minimum (Third Party Only) Cover while traveling abroad.

Most of the insurers will cover for EU and any country that meets the EC Directive 2009/103/EC requirements.

No-Claim Bonus (NCB) at Only Young Drivers / Only Smart Drivers

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 or have a claim filed against you.

If the incident caused was not your fault and Only Young Drivers was able to recover all costs from the responsible party, your NCB will not be affected. However, if they’re not able to recover the costs of the incident, your NCB will be affected.

Claims on the following will not affect your NCB:

  • Windscreen cover
  • Medical emergency cover
  • Incidents caused by an uninsured driver.

At Only Young Drivers / Only Smart Drivers, 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 claim in 5 years.
NCB protection claims (number per year): 2 claim in 3 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. 

Only Young Drivers / Only Smart Drivers car insurance terms and conditions

How much does Only Young Drivers / Only Smart Drivers car insurance cost?

You'll find below indicative car insurance quotes at Only Young Drivers / Only Smart Drivers:

Drivers'ageMonthly premium
18 years old£101,34
40 years old £41,79
60 years old£30,81
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Only Young Drivers / Only Smart Drivers 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 Only Young Drivers / Only Smart Drivers?

In addition to No Claims Discount, there is potential to receive discounts on your premiums provided that you drive safely.

Discount typesComment
DiscountsDiscount on premium when renewing your policy depending on your telematics reports.
Discounts and cashbacks available at Only Young Drivers / Only Smart Drivers

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!

Only Young Drivers / Only Smart Drivers car insurance policy summarized

Guarantees

At Only Young Drivers / Only Smart Drivers
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keysExcess- Not stated
Limit- £500 - £1000
Personal belongings£100 - £150
Audio equipment

Excess- Not stated
Limit- £150 - £1000

Medical expenses

£100 - £150

Liability limit for property damage£20,000,000 - £25,000,000
Legal expenseNot Available as standard
Courtesy car benefit

As standard

Courtesy car cover

Duration of repair of your car.

Coverage abroad

30 days to 90 days

Guarantees at Only Young Drivers / Only Smart Drivers

Excess

At Only Young Drivers / Only Smart Drivers
Fire excessExcess- Not stated
Limit- £100 - £150 for personal belongings, £150 - £1000 for entertainment equipment and £100 for child car seat.
Theft excessExcess- Not stated
Limit- £100 - £150 for personal belongings, £150 - £1000 for entertainment equipment and £100 for child car seat.
Accidental damage excessNot stated
Windscreen replacement excessExcess - £10 - £75
Limit - Unlimited or £100 - £150 if you get your windscreen fixed at an unapproved repairer.
Young driver excess

£250 - £300

Excess at Only Young Drivers / Only Smart Drivers

Admin fees

At Only Young Drivers / Only Smart Drivers
Interest charged by payment installments

Not Stated

Renewal fees

£0

Cancellation fees

Cancellation fee – £79.95 plus any other administration fee that varies from insurer to insurer.

Modification fees

Mid-Term Adjustment fee: £37.50 plus any other administration fee that varies from insurer to insurer.

Admin fees at Only Young Drivers / Only Smart Drivers

Other car insurance policies available at Only Young Drivers / Only Smart Drivers

Only Young Drivers / Only Smart Drivers black-box insurance

The only insurance policy that Only Young Drivers is offering is the black box insurance.

The black box uses telematics to analyse driving habits such as speed, braking, cornering and acceleration and creates a report which determines the price of the premium you’ll be charged during renewals. The better your driving score is, the lower prices you’ll get on your premium.

Only Young Drivers / Only Smart Drivers business car insurance

Cover for business car may be available provided you inform them. In case of any change such as using your once personal car for business, you’re supposed to let them know as soon as possible.

Provided that your Certificate of Motor Insurance shows that you have the appropriate business use cover, Only Young Drivers will cover any cost or expenses your employer or business partner is legally liable for.

How to contact Only Young Drivers / Only Smart Drivers auto insurance?

Only Young Drivers / Only Smart Drivers phone numbers 

You will find all important phone numbers to contact Only Young Drivers / Only Smart Drivers car insurance:

Contact numberOpening hours

Customer Service

03303 438 880

Monday to Friday: 8:30am to 7pm
Saturday: 9am to 1pm
Sunday: Closed

Existing Customers

03303 438 872

Monday to Friday: 8:30am to 7pm
Saturday: 9am to 1pm
Sunday: Closed

Claims

0800 9 538 566

Available 24/7

RAC Breakdown

0800 092 4145

Not Stated

Keycare Cover

0344 8542047

Available 24/7

Legal Expenses Cover

0344 770 1040

Not Stated

Contact numbers at Only Young Drivers / Only Smart Drivers

Only Young Drivers / Only Smart Drivers other contact details

You'll find below Only Young Drivers / Only Smart Drivers main contact details:

Contact details of Only Young Drivers / Only Smart Drivers
Email address

[email protected]

Customer account with Only Young Drivers / Only Smart Drivers login

no

Social mediano
ChatbotNo
Contact details at Only Young Drivers / Only Smart Drivers

You can also contact them by mail by writing to Only Young Drivers / Only Smart Drivers car insurance:

Only Smart Drivers,
Nile Street,
Burslem,
Stoke-on-Trent,
ST6 2BA

How to cancel your car insurance at Only Young Drivers / Only Smart Drivers?

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, Only Young Drivers / Only Smart Drivers as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Only Young Drivers / Only Smart Drivers 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.

Only Young Drivers / Only Smart Drivers 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’.