Only Young Drivers / Only Smart Drivers Car Insurance Review
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Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.
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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 rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction |
Online quote generation and application | |
| Cover provided |
Specialist Insurance Company focused on providing telematics insurance | |
| Value for money |
No Claims Discount available | |
| 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 |
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 organisation | Consumer satisfaction rates for Only Young Drivers / Only Smart Drivers |
|---|---|
| TrustPilot | no |
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.
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 policy | Available at Only Young Drivers / Only Smart Drivers | Coverage in a nutshell |
|---|---|---|
| Third-Party Only |
| |
| Third-Party Fire and Theft |
| |
| Comprehensive |
|
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.
Good to know
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'age | Monthly premium |
|---|---|
| 18 years old | £101,34 |
| 40 years old | £41,79 |
| 60 years old | £30,81 |
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.
Good to know
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 types | Comment |
|---|---|
| Discounts | Discount on premium when renewing your policy depending on your telematics reports. |
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 benefit | Yes |
| Uninsured driver NCB benefit | Yes |
| Loss or theft of keys | Excess- Not stated Limit- £500 - £1000 |
| Personal belongings | £100 - £150 |
| Audio equipment | Excess- Not stated |
| Medical expenses | £100 - £150 |
| Liability limit for property damage | £20,000,000 - £25,000,000 |
| Legal expense | Not Available as standard |
| Courtesy car benefit | As standard |
| Courtesy car cover | Duration of repair of your car. |
| Coverage abroad | 30 days to 90 days |
Excess
| At Only Young Drivers / Only Smart Drivers | |
|---|---|
| Fire excess | Excess- Not stated Limit- £100 - £150 for personal belongings, £150 - £1000 for entertainment equipment and £100 for child car seat. |
| Theft excess | Excess- Not stated Limit- £100 - £150 for personal belongings, £150 - £1000 for entertainment equipment and £100 for child car seat. |
| Accidental damage excess | Not stated |
| Windscreen replacement excess | Excess - £10 - £75 Limit - Unlimited or £100 - £150 if you get your windscreen fixed at an unapproved repairer. |
| Young driver excess | £250 - £300 |
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. |
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 number | Opening hours | |
|---|---|---|
Customer Service | 03303 438 880 | Monday to Friday: 8:30am to 7pm |
Existing Customers | 03303 438 872 | Monday to Friday: 8:30am to 7pm |
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 |
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 | |
| Customer account with Only Young Drivers / Only Smart Drivers login | no |
| Social media | no |
| Chatbot | No |
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.
Watch out!
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’.
