Smart drivers club insurance Car Insurance Review
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This is the ultimate review to guide you through Smart drivers club insurance car insurance.
You might already know that Smart drivers club insurance 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 Smart drivers club insurance 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 Smart drivers club insurance car policy terms and conditions and given our own ratings based on different criteria.
4 Safe overall rating for Smart drivers club insurance
| Our rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction |
Online application process available | |
| Cover provided |
Specialist Insurance Company focused on providing telematics insurance | |
| Value for money |
Availability of No Claims Discount | |
| Financial strength for pay out | Smart Driver Club works with a panel of leading car insurance company in the UK such as Sabre, Aviva, AXA, MakerStudy, Pukka and Covea which makes it highly capable of paying out claims. | |
| Technology |
Smart Driver Club offers telematics insurance through their SmartPlug device |
Expert and customer reviews on Smart drivers club insurance
We compiled expert and customer reviews from independent institutions, to give you an overall idea of Smart drivers club insurance's reputation.
| Review organisation | Consumer satisfaction rates for Smart drivers club insurance |
|---|---|
| TrustPilot | 3,9/5 based on more than 190 opinions |
To check if Smart drivers club insurance 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 Smart drivers club insurance car insurance policy
Smart Driver Club is a specialist insurance company that works with a panel of leading car insurance company in the UK such as Sabre, Aviva, AXA, MakerStudy, Pukka and Covea.
The company offers telematics insurance using their Smart Plug device. The insurance policy is available across Comprehensive and FT&TP levels.
We would recommend this company to anyone looking to for the potential to keep lowering their premium price every year by improving and maintaining a good driving score.
What does Smart drivers club insurance car insurance policy cover?
Are TPO, TPFT and Comprehensive covers available at Smart drivers club insurance?
| Car insurance policy | Available at Smart drivers club insurance | 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 Smart drivers club insurance explained in details
Let's find out what does Smart drivers club insurance covers in its car insurance policy.
Breakdown cover at Smart drivers club insurance
Smart Driver Club offers 4 levels of Breakdown Cover:
Roadside Only: this includes more than an hour of roadside assistance if your vehicle breaks down more than a mile away from your home address.
Roadside and Recovery National: in addition to the benefits that come along with the Roadside Cover, this level of cover includes the tranport of your vehicle to a repairer in case it cannot be fixed on the roadside and transport you to your home or any destination of your choice.
Roadside, Nationwide Recovery and Homestart: in addition to the benefits you get with the Roadside and Recovery National Cover, this includes the breakdown assistance of your vehicle at your home or anywhere within a mile from your home address.
Roadside, National Recovery, Homestart and EU Cover: in addition to all the benefits that come with the Roadside, National Recovery and Homestart Cover, this cover includes all of the services in the UK as well as while traveling in an EU country.
Keycare cover at Smart drivers club insurance
Up to £1500 for repair or replacements of locks, keys, and locksmiths, as well as onward transport costs.
Windscreen cover at Smart drivers club insurance
- Windscreen Cover is only available as a standard for Comprehensive Policy.
- Depending on the underwriter, cover may include windscreen, windows, rear windows, sunroof, and repair on bodywork scratching that was caused by the broken glass.
- Excess paid for replacement varies between £75 to £100 while excess for repair varies between £20 to £25.
- Cover is unlimited unless you choose to get the damage repaired at an unapproved repairer. In that case, the limit may range between £100 and £150.
- Claims on Windscreen will not affect your NCD.
Motor legal protection at Smart drivers club insurance
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 Smart drivers club insurance
Up to £30,000 or £50,000 (depending on the level of cover you choose) for policy holder, named drivers or any passengers in the vehicle that was seriously injured or killed due to a car accident regardless of whether the accident was your fault or not.
Coverage abroad at Smart drivers club insurance
The coverage for abroad insurance may vary from one underwriter to the other. The cover is for 30 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.
You’re advised to inform your insurer of your travel plans weeks in advance so as to be equipped with the right information before you proceed with your travel.
Courtesy car at Smart drivers club insurance
Hire Vehicle Option is available and comes with the following benefits:
- Up to 21 days provision of a courtesy car that is similar to your car if yours is written off or has been stolen and not yet recovered
- In case you don’t need the car, then you’re entitled to a cash payment of £200
- The replacement vehicle will be delivered and collected without any extra charges.
No-Claim Bonus (NCB) at Smart drivers club insurance
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. NCD protection is available at an extra fee.
If the incident caused was not your fault and Smart Driver Club 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 Smart drivers club insurance, 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 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.
Smart drivers club insurance car insurance terms and conditions
How much does Smart drivers club insurance car insurance cost?
You'll find below indicative car insurance quotes at Smart drivers club insurance:
| Drivers'age | Monthly premium |
|---|---|
| 18 years old | £101,75 |
| 40 years old | £41,96 |
| 60 years old | £30,94 |
Costs of Smart drivers club insurance 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 Smart drivers club insurance?
In addition to No Claims Discount, there is potential to receive discounts on your premiums provided that you drive safely.
| Discount types | Comment |
|---|---|
| Discounts | Up to 40% discount on premium when renewing your policy depends 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!
Smart drivers club insurance car insurance policy summarized
Guarantees
| At Smart drivers club insurance | |
|---|---|
| NCB benefit | Yes |
| Uninsured driver NCB benefit | Yes |
| Loss or theft of keys | Excess- £100 Limit- £100 - £1000 |
| Personal belongings | £150 - £300 |
| Audio equipment | Excess- Not stated |
| Medical expenses | £100 - £200 |
| Liability limit for property damage | £20,000,000 - £25,000,001 |
| Legal expense | Not Stated |
| Courtesy car benefit | As standard |
| Courtesy car cover | Duration of repair of your car. |
| Coverage abroad | 30 days |
Excess
| At Smart drivers club insurance | |
|---|---|
| Fire excess | Excess- Not stated Limit- £150 - £300 for personal belongings, Unlimited or £500 - £750 for entertainment equipment and £100 - £250 for child car seat. |
| Theft excess | Excess- Not stated Limit- £150 - £300 for personal belongings, Unlimited or £500 - £750 for entertainment equipment and £100 - £250 for child car seat. |
| Accidental damage excess | Not stated |
| Windscreen replacement excess | Excess - £20 - £100 Limit - Unlimited or £100 - £150 if you get your windscreen fixed at an unapproved repairer. |
| Young driver excess | £300 - £350 |
Admin fees
| At Smart drivers club insurance | |
|---|---|
| Interest charged by payment installments | Not Stated |
| Renewal fees | £0 |
| Cancellation fees | Cancellation fees during cooling off period: £30 |
| Modification fees | Not Stated |
Other car insurance policies available at Smart drivers club insurance
Smart drivers club insurance black-box insurance
Smart Driver Club is a specialist insurance company focused on providing telematics insurance they use a Smart Plug Device that the customers install in their cars by themselves.
This is how the SmartPlug Device works:
- After installing the SmartPlug Device into the 12v port, the device is attached to the carpet on the side of your center console using velcro
- After installation, you’re expected to download the SmartPlug app and connect your phone to the SmartPlug device
- The device will record your driving habits and send you a report on the app about your driving skills and how you can improve
- Another added advantage with the use of this telematics insurance is the ability to track your car in case of theft or in case you parked at a large parking lot and are having trouble locating it.
- The device can also sense strong impacts caused during road accidents. When this happens, it will send an alert to your insurer who will get emergency services to come to you in case they cannot contact you.
Smart drivers club insurance business car insurance
Business Use Cover may be available provided you inform your insurer during the application process. 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 Smart drivers club insurance auto insurance?
Smart drivers club insurance phone numbers
You will find all important phone numbers to contact Smart drivers club insurance car insurance:
| Contact number | Opening hours | |
|---|---|---|
Customer Service | 0330 0417 000 | Monday: 8am to 8pm |
Quote Line | 0330 0417 000 | Monday: 8am to 8pm |
Renewals | 0330 0417 000 | Monday: 8am to 8pm |
Claims | 0333 772 0487 | Available 24/7 |
SmartPlug Helpline | 01489 883264 | Available 24/7 |
Stolen Car Support | 01489 883264 | Available 24/7 |
Smart drivers club insurance other contact details
You'll find below Smart drivers club insurance main contact details:
| Contact details of Smart drivers club insurance | |
|---|---|
| Email address | |
| Customer account with Smart drivers club insurance login | [My account]https://viewpoint.smartdriverclub.co.uk/login |
| Social media | Twitter, Facebook, LinkedIn |
| Chatbot | No |
You can also contact them by mail by writing to Smart drivers club insurance car insurance:
Markerstudy House,
45 Westerham Road,
Sevenoaks,
Kent TN13 2QB
How to cancel your car insurance at Smart drivers club insurance?
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, Smart drivers club insurance as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Smart drivers club insurance 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!
Smart drivers club insurance 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’.
