Frequently Asked Questions


What is Smartplug?

A Smartplug is a small device that fits discreetly into your car and allows us to provide you with all the great benefits and services of being a Smartdriverclub member.

If you are already a member of Smartdriver club you will have a Smartplug already fitted in your car and will not need another one for the insurance.

If you recently became a member when you purchased a Smartdriverclub Insurance policy, a Smartplug will be on its way to you in the post. In order to receive all the great benefits and services that we offer you must make sure you fit your Smartplug within seven days of purchasing your Smartdriverclub Insurance policy. Failure to do so will result in cancellation of your Smartdriverclub Insurance policy.

Where do I put the plug in my car?

Depending on the Make and Model of your vehicle, you will receive one of two types of plugs we provide.

12v Smartplug™

This device simply plugs into your 12v Charger Port and the device is tucked away in one of our two preferred locations

OBD Smartplug™

This device goes into the “on-board diagnostic (OBD)” port, which is usually found within the driver or passenger footwell. Manufacturers tend to place the OBD port in a variety of areas within the car’s cockpit. You can find the location of your own OBD by searching on Google or call us on 0333 772 0489 and we’ll be able to help you.

What is an OBD port?

The OBD is a socket located inside the vehicle that allows a user to access the vehicle on board computer system.

How do I know the plug is working?

You can see that the plug is working as data will be appearing on the Viewpoint app or website. If we notice that your plug is not sending data for more than 48 hours or if your Smartplug has been unplugged, we will call you to see if there is a problem or the plug has been disconnected in error.

What happens if the plug falls out or I unplug it?

Please do not unplug your plug; by doing so you will no longer be entitled to, or be able to view, the benefits of being a member of the club and your insurance policy may be cancelled. If your plug falls out, please simply reinstall the plug and we will start collecting data again immediately.

Will the plug affect the performance or warranty on my car?

No. The Smartplug has no effect on your manufacturer or dealer warranty and is manufactured in such a way as to ensure it doesn’t interfere with your car’s performance.

What services do you offer as part of being a Smartdriverclub member?

My Mechanic – Don’t waste your time decoding lights you don’t understand and don’t let minor issues escalate into expensive ones. If your plug detects a problem, you’ll get an instant alert that tells you what it is and what to do about it.

Value My Car – Guesswork gets you nowhere, so if you want your car’s worth, get an accurate estimate of market value based on the model, how you’ve used it and how many miles you’ve done.

Breakdown Help – Broken down in the middle of nowhere? You’re not on your own. Click the link in your app and be connected straight away to your breakdown provider, so you can get your car going and get back on the road.

My Deals – You’re smart enough to make your own decisions. So let’s avoid the pushy salesman. Instead, use your Viewpoint to browse exclusive deals and offers from the nearest dealerships and retailers. Save money on your own terms.

Crash Assistance – If you’re involved in a collision, don’t leave anything to chance. We’ll dispatch the emergency services if we can see your location is dangerous, the impact was great and we can’t get in contact with you. You will always know help is on its way. No sitting in a field late at night with no phone and no help coming.

Stolen Car – Your car is one of the most expensive assets, but you can’t always keep it locked away. So, if your car is stolen, we should be able to track its location through your Plug. We can even liaise with the police to attempt recovery.

Where did I park – Even smart drivers aren’t perfect, but if you forget where you parked, just check your Viewpoint app for directions back to your vehicle. It’s ideal for those sprawling car parks at events or shopping centres.

Buying your insurance policy

Can I drive before I’ve fitted my Smartplug?

Yes, you can drive as soon as your cover starts but you do need to make sure you fit your Smartplug within seven days of purchasing your Smartdriverclub Insurance policy.

What type of cover can I buy?

We only offer Comprehensive cover. This covers you for accidental damage, fire, theft or malicious damage to your own car as well as any damage you cause to other people and their property.

We also offer a range of optional extras which you can purchase to enhance your cover, such as legal expenses, guaranteed hire car, key cover, personal accident and breakdown cover.

Do I need cover for business use?

You’ll need business use if you ever have to travel to more than one place for your work, for example travelling to multiple offices.

To insure my car, do I need to be the registered keeper?

You or your spouse must be the registered keeper.

Do you cover cars with modifications?

It depends on the type of modifications. Please disclose any modifications when you complete your quote and we will confirm if we can provide cover for your car.

Are there any restrictions on when and how many miles I can drive?

You can drive any time of day or night – however, frequently driving at risky times, such as after 11pm, may reduce your driving rating.

During your quote just let us know how many miles you will cover over a year and your premium will automatically include these. If during the year you think you may travel further than this just let us know.

What is an excess?

An excess is the amount you must pay in the event of any claim, regardless of who’s to blame for the incident. The excess will vary depending on the car that is covered and the age and experience of the drivers on the policy.

Your total excess will be provided alongside your quotation premium when you are provided with a quote from Smartdriverclub Insurance, and when you purchase a policy it will be shown on your Policy Schedule.

Do I have to provide you with photos of my car?

Yes, one from each corner angle of the car is required. We will send you details information on which photos are required.

Do I need to provide proof of my No Claim Discount (NCD)?

We do not require proof of your no claims discount.

Your insurance policy

What do I need to do if I need to make a change to my details?

Please call our service line on 0330 058 6000 and we will amend your details accordingly. Should any changes involve a change of premium this will be advised at the time of your call.

If I buy a new car, how do I change my insurance to my new car?

If you buy a new car please call our service centre on 0330 058 6000 with the registration, make and model of your vehicle. Please be aware an additional premium may be payable.

In most cases you can keep your membership when you change vehicle, but you’ll need to let us know so we can re-configure your Smartplug. Please call us on 0330 058 6000 and we’ll let you know if the device is compatible and realign it for you. If you became a member of the club through a motor dealership and are buying the new vehicle from them, they will check this for you.

Can I drive any car?

No, you can only drive the car you have insured on this policy with this insurance.

Is my windscreen covered?

Yes, with an excess payable of £25 for repair or £75 for replacement.

Can I temporarily add a driver to my car insurance?

No, we do not allow temporary drivers to be added; however, you can add a driver permanently at any time.

Am I covered to drive my car abroad?

You are covered in Europe for a maximum of 30 days per policy term.

What happens if I lose my insurance certificate?

You can request another copy of your certificate electronically from us by calling our service centre – there will be a charge of £10 for this service.

What happens if I cancel my policy?

If you cancel within 14 days and no Smartplug has been issued the cancellation fee is £30 plus the premium for the time you have been insured with Smartdriverclub Insurance. If it is outside 14 days or the Smartplug has been issued within the 14 days, then the cancellation fee is £60 plus the premium for the time you have been insured. We can only accept cancellation from the policyholder by phoning 0330 058 6000.

Can you send me proof of my No Claims Discount (NCD)?

If you have received your renewal documents, your NCD will be stated on the forms; however, if you require proof mid-term call our service centre and these will be provided free of charge.

Contact us

How do I contact Smartdriverclub Insurance customer services?

Call 0330 058 6000
Opening hours
Monday 8am – 8pm
Tuesday 8am – 6pm
Saturday 10am – 2pm
Sunday Closed

Who do I contact when I’ve had an accident?

Call our 24-hour claim helpline on – 0330 134 3272

Who do I contact when I’ve damaged my windscreen?

Call our approved windscreen repairer helpline on – 0330 134 3272

Smartdriverclub App

What is Viewpoint?

Viewpoint is the name of the Smartphone Application (app) and online web portal we give you to access your services. It contains most of the data we collect for you in an easy to understand format. It’s also where we’ll post any deals or special offers for you.

Why should I download the Smartphone Application (app)?

The Viewpoint app is your link to all the benefits and services you are entitled to from becoming a Smartdriverclub Member. Without the application you will not be able to take advantage of the deals, driving data and options that make your membership worthwhile.

Where can I download the app?

The link for the application will be sent to you via email. Once you click on the link you will be asked to choose a password.

How much data usage will the app use?

Minimal data usage, it’s not collecting any data merely displaying it.

Why are my journeys not showing?

If you have only recently become a member it can take a few days from when the plug has been put into your car to start receiving data. If after five days you are still not seeing data on your application please call our helpdesk on 0330 7720489.

What if I don’t have a Smartphone or don’t want to use an app?

You can also view all your information on the Viewpoint web portal and you can use the link in the welcome email to access the portal.

Your data

What data are you collecting?

Smartdriverclub collects data that you share with us to bring your Smartdriverclub services to you. This includes customer information (such as your name, address and email), security information (such as emergency contacts), vehicle data (such as odometer data, (mileage), tyre pressure, oil life, fuel levels and diagnostics) and vehicle location (to provide stolen vehicle assistance and emergency services).

What are you doing with my data?

Before you sign up we’ll provide detailed information about what data is collected and what it’s used for. In essence, we collect your personal data including name and address and we collate vehicle and location data on your behalf. Your Smartdriverclub will only collect personal data to provide services that may be of use to you. For more information, please see “Privacy Policy” which is incorporated in our “Terms and Conditions”.

Who has access to my information?

Our customers’ safety and security of data is paramount and we take a wide approach to secure in-vehicle and connected vehicle systems, and to monitor and detect security threats including hacking.

Smart Driver Insurance Limited and Smart Driver Club Limited will not sell, license or share information, that individually identifies our customers or people using our services, with others who are not performing work on behalf of Smart Driver Club Insurance Limited, without the consent of the person whose information will be shared, unless we are required or permitted to do so by law.

Will the police be told if I speed?

No, we will never share your data with the police unless we are issued a court summons to do so. However, it should be noted the device is not home office approved and cannot be relied upon to provide information of the accuracy that the courts would require.