Common Questions
- Can I pay monthly as I do with my motor insurance policy?
No. We do however offer 4 easy ways to pay including Debit or Credit Card, Cheque, Bank Transfer or PayPal.
- Am I covered by your policies abroad?
Yes, you are covered in all member countries of the European Community and any country for which a Green Card is effective at time of loss. The repair would however need to be carried out when you return to the UK.
- Am I required to pay a policy excess for every repair?
An excess of £25 per claim will apply.
- What is the difference between your cover and the cover offered to me by my supplying dealer?
Mainly the price - achieved by a substantially reduced profit margin. We aim to be the cheapest on the internet for comparable product. To help us maintain our competitive position we carry out regular competitor price watch comparisons. We also offer a unique Price Promise under which we commit to refund the difference if a comparable product is found advertised on the internet within 28 days of purchase. We have also been able to tailor our on-line product to suit the sometimes wider needs and circumstances of our internet customers.
- Can I buy SMART Insurance for my van?
Yes you can, providing it has a gross vehicle weight less than 3500kg and providing it is not used for haulage or courier work.
- If I make a claim under a SMART Insurance, will this affect my motor insurance premium?
No. SMART Insurance is a separate insurance that does not impact on your motor insurance when you make a claim. It's purpose is to help overcome the need to pay for repairs as they occur or make claims on your insurance which would impact on your renewal premium.
- Are the damages covered by SMART Insurance not covered by my fully comprehensive insurance?
Yes they probably are. However if you make say 3 claims for small repairs over the next 3 years, your insurer will no doubt increase your premium when you next renew your insurance. If you have an insurance policy excess of say £150, you will make a claim but not benefit because the excess you will pay will probably be more than most repair costs. Preserve your motor insurance record and keep those costs low by making your repair claims on SMART Insurance !
- If someone else is driving my car when it is damaged will SMART Insurance still cover me?
Yes, providing that person is a named driver on your fully comprehensive motor insurance policy.
- Can policies be transferred?
No, they cannot be transferred or cancelled after 30 days have expired.
- Is there a maximum claim limit within your SMART Insurance policies?
Yes there is. It is a very generous £3,000 in aggregate which means any number of claims up to a total of £3,000.
- I live in an area where car crime is high. Will I be accepted for cover? I certainly need it!
According to Police statistics, car crime accounts for nearly one third of all crime. Our underwriters do not discriminate against those who live in high car crime areas. You will be accepted providing your car meets the eligibility criteria.
