Fairer Car Insurance with all the cover you’d expect

More intelligent insurance costs less. But that doesn’t mean it does less.

Smartdriverclub Insurance gives you a fully comprehensive policy, priced to match the way you drive. And as well as the benefits you’d expect, there’s a few you wouldn’t. Like all the features of a free connected car. Smart new ways to drive and maintain your vehicle. And a range of optional extras like Motor Legal Protection cover or Breakdown Assistance.


Use of a courtesy car whilst your car is being repaired at one of our approved repairer garages.

equipment cover

up to £1,250 or 15% of the value of your car for CD player, radio, sat-nav or any other audio/visual equipment, as long as they are permanently fitted to your car.

European cover

with all the benefits of your UK policy, anywhere in the EU.

injury cover

up to £5,000 of personal injury cover for you and your spouse (per couple) because the only thing more important than your car and its contents is you.

car seat

up to £300 to replace a child car seat if its stolen or damaged in an accident.

Fire and
theft cover

if your car is stolen or is damaged because of an engine fire.

Windscreen and
glass cover

To repair or replace broken glass in your car’s windscreen, windows or sunroof.

belongings cover

For your personal items up to £100 in your car if they are damaged or stolen from your car.

replacement carkeyback coverpersonal accident covermotor legal protectionmotor breakdown cover
Optional add-ons

Our insurance is made for individuals. Just pick the extras you need and add them to your policy.

Replacement Car

Would you be stuck without a car if yours is written off or stolen? We’ll give you a replacement car that’s similar to your own, so you can carry on as usual while your claim is being taken care of.

KeyBack Cover

As keys and their fobs have become smarter, they’ve become more expensive to replace. So we’ll cover the cost of replacing your lost or damaged keys up to a value of £1,500, with our KeyBack Policy.

Personal Accident Cover

Damage to your car is bad. Injury to you or your passengers is worse. So we’ll give you two options of cover for you and your passengers in the event of a severe injury or assault while driving your car.

Motor Legal Protection

When you’re involved in an accident and the claim is not your fault, there’s more than your car to worry about. We’ll help out with your legal costs if you decide to pursue a claim.

Motor Breakdown Cover

Just choose the breakdown cover that suits you, including Roadside Assistance and Recovery National, Recovery National and Homestart, or full European Recovery.