What's the main reason for getting a SmartMiles policy?
What happens after I start a SmartMiles policy?
How much does the box cost?
Can the policy have more than one named driver?
Does my car need to be kept at my home address?
Can the policy include business travel?
Can I earn a No Claims Discount?
Can I earn No Claims Discount as well as safe driver discount?
Can I protect my no claims discount?
Yes, you can choose to protect your no claims discount when you get a quote.This means you won’t lose all your no claims discount straight away if you make a claim during the policy year. However, your insurance will cost a little more.
Please note protecting your no claims discount doesn’t protect the overall cost of your insurance. Your price can increase after an accident even if you aren’t at fault. If you choose to protect your no claims, full details will be included with your quote. If you’ve already bought your policy, you can see details on your policy schedule. This is stored in your online portal.
I have a Pass Plus certificate - can I save more?
Renewing your policy
When your policy’s due to renew, we’ll email your new documents to the address you gave us. Please check all your details to make sure they’re still correct.
These documents will include your new annual insurance premium and the total cost of next year’s insurance, plus any optional extras. We’ll also include last year’s prices so you can easily compare. Remember, it’s always worth shopping around to make sure you’re getting the best deal.
If your details are correct and you’d like to stay with us, you don’t need to do anything. We’ll automatically renew your policy for you.
If we aren’t able to, or you’ve asked us not to do it automatically, we’ll be in touch to tell you what you need to do.
How does SmartMiles know about the way I drive?
To find out more, please visit About SmartMiles.
What aspects of my driving are monitored by the SmartMiles box?
As this system is based on satellites, are there any 'blackspots' where you won't be able to track a car?
Do I get to see the data from my SmartMiles box?
Can I drive outside the UK on a SmartMiles policy?
Is there anything I need to bring with me when the box is being installed?
- Proof of your No Claims Discount (if applicable)
- The Vehicle Registration Document (V5/log book) for the vehicle that has been insured. If you've recently purchased the car, the section 10 (new Keeper) slip may be acceptable instead.
Do I have to wait for the Smartmiles box to be fitted before I can drive?
What happens if I forget to bring the documents?
Will the SmartMiles box work in my car?
My car already has a telematics box from a previous insurance policy. Can I use this instead of the SmartMiles one?
What does the box look like?
Is the SmartMiles box visible from the outside of my car?
Could the SmartMiles box affect the performance of my car or its warranty?
What happens if the box stops working?
What should I do if I disagree with the mileage shown by my SmartMiles box?
What happens if the box is damaged in an accident?
What if I disagree with my driving score or feedback?
However, occasionally something could go wrong, for example a road speed limit may have changed without our knowledge. If after reflecting on how you’ve been driving you disagree, please let us know by visiting our contact us page with specific details (e.g. the times & dates of any example journeys where you believe we may be incorrect) and we’ll investigate
Will my policy be cancelled if I speed?
Will you share the SmartMiles data with other insurers?
What happens if the police ask for the data?
Is there anything other than my SmartMiles policy that the data could be used for?
Will you supply any personally identifiable data to any third parties?
How do you work out the cost of my first year's insurance, as you didn't have any driving data to base it on?
As my premium is based on my driving behaviour, could my renewal quote go up as well as down?
Will I be charged more if I go over my expected annual mileage?
But don’t worry, we’ll let you know if it looks like you’re going to exceed your limit when you reach 75% of your mileage and we won’t automatically stop your cover.
Keep an eye on your mileage by using our app or your online dashboard.
If I don't reach my mileage limit will I get a refund?
Can I drive at night?
What does my policy consider to be 'night'? Is it as soon as it’s dark?
How do I check the documents relating to my policy?
Will you ever cancel my insurance based on my driving?
Please note we updated these terms on 11th May 2016. If you bought your policy before this date, you can find the minimum scores that apply to your policy on page 29 of your policy booklet.
What is the Dashboard?
Is there a SmartMiles mobile app?
Find out more.
Will you help me improve my driving?
Can I have more than one login to the Dashboard?
I'm starting a SmartMiles policy for one of my children. It will be in their name, but I'm paying. Will I have access to their Dashboard?
Is there a cooling-off period on this policy?
If your SmartMiles box hasn't been fitted you'll also be refunded the telematics fee.
Can I cancel the policy after the cooling-off period finishes?
If I decide to end the policy or sell the car, will you remove the SmartMiles box?
Electronic devices like your SmartMiles box can be recycled. Go to www.recycle-more.co.uk to find your nearest recycling centre. Like other electronic devices, the SmartMiles box shouldn't go into your general household waste.
Can I change the vehicle on my policy?
What should I do if my car is stolen?
- First, call the police to tell them what has happened and let them know the car has a tracking device. You will also need to get a crime reference number.
- Call our theft helpline on 0800 048 2954 and give them your policy number and the crime reference number. They will activate the theft tracker to trace your vehicle and liaise with the police.
Can theft tracking make a difference?
Do I need a Green Card?
Will I be insured to drive in the EU after Brexit?
Will there be any changes to driving licenses?
What’s a Green Card?
- They’re an international certificate of insurance that’s printed on green paper
- They’re issued by your vehicle insurer to prove you’re insured to drive in the EU
- They’re personalised with your UK registration details and are signed by your insurer
- You’ll need to carry yours with you if you’re driving into Europe
- They can’t be downloaded so they have to be posted to your home address