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Get a smart quote how it works

Rewarding
Safe Drivers

Want to prove to your insurer how safely you drive? You can with Drive Smart. We’ll install a little, mobile-sized “telematics” gadget in your car, and measure things like your speed and braking. Then we can see if you’re a safe driver and reward you for it.

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Drive Smart Explained

Hit the start button to find out how Drive Smart
can help reward your good driving.

  • Start
  • There are lots of drivers in the world.

  • The trouble is, the bad ones make car insurance a lot more expensive for everyone else.

  • At Drive Smart we don’t think that is fair. So we've come up with a way to reward the good ones.

  • It all comes in the shape of a clever little box that sits in your car.

  • It measures all sorts of things and tracks how well you're driving.

  • It’s simple, the better you drive the better off you'll be.

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Helpful Information

  • At Drive Smart, we don’t just offer you great value car insurance. We try to make your life easier, so we’ve included the following information to help you

    EASY WAYS TO PAY YOUR PREMIUM

    You’re welcome to pay your insurance premium in full with your credit or debit card. Alternatively, you may find it easier to pay a 30% deposit with your card and the remainder including interest, in 7 monthly instalments, by direct debit. Charges will be detailed on your quote page.

    YOUR NO CLAIMS BONUS

    If you already have a No Claims Bonus (NCB), please provide a copy of the proof from your previous insurer when your box is installed. Your NCD must have been earned on a private car or commercial vehicle policy in an EU country within the last two years and can not be in use on another policy. We can’t accept NCD that was earned on a company car or fleet policy.

    FRAUD PREVENTION AND CREDIT SEARCHES

    When we give you a quotation, we may use data from various sources, including credit reference agencies. Please tell us everything concerning your insurance details when we give you your quote, if we ask for information during your policy’s lifetime, and when you renew.

    We want to protect you and our other policyholders, so we thoroughly scrutinise all claims for fraud. We also follow the practice of other insurers in passing information on all claims to the Claims and Underwriting Exchange Register. This is a central database of motor and personal injury incidents which have been reported to insurance companies. Insurance companies use the register to prevent multiple claims fraud and the misrepresentation of claims histories. This helps us keep premiums down for honest policyholders.

  • THE MOTOR INSURANCE DATABASE

    We need to let you know that we will send your policy details to the Motor Insurance Database. This is the central record for all insured vehicles in the UK, which is managed by the Motor Insurers’ Bureau. The police use it for law enforcement. Once you have purchased your policy it can take up to 7 days for your vehicle to appear on the database. You can check if your vehicle details are on the database by visiting www.askmid.com.

    HOW WE PROTECT YOUR PERSONAL DATA

    The insurer behind Drive Smart, Sabre Insurance Company Ltd, is the Data Controller for any personal data you give to us; this is required by the Data Protection Act 1998. The information you provide will only be used by us, our associated companies and agents, and by reinsurers for insurance administration.

    FINANCIAL SERVICES COMPENSATION SCHEME

    You’ll be reassured to know that your Drive Smart policy is covered by the Financial Services Compensation Scheme. That means, in the unlikely event that we can’t meet our financial obligations to you, you may be eligible to claim compensation from the scheme.

    HOW TO MAKE A COMPLAINT

    We aim to deliver the highest level of service to you. However if you’re ever dissatisfied with how we’re managing your policy please tell us as soon as possible. We take all complaints extremely seriously and always try to resolve them promptly.

    We’d like to know what you think of our service so that we can make sure it meets your expectations. We’re keen to address any criticism and keep improving Drive Smart.

    Write, email or call us on 0330 024 4692.

  • CAN I DRIVE SOMEBODY ELSE’S CAR?

    Drive Smart is a Telematics policy requiring a box to be fitted to your car so that you can be rewarded for safe driving. Therefore cover for driving other cars is not given. If you want to drive somebody else's car, you can always ask the owner to add you as a driver under their policy.

    WILL MY PREMIUM INCREASE WHEN I PASS MY DRIVING TEST?

    Yes it is likely to increase. The reason is that you’re a new driver on the road and you will more than likely be driving unsupervised. Taking a Pass Plus course can help to reduce your premium.

    WHAT IS AN EXCESS?

    An excess is the amount you must pay in the event of any claim, regardless of who is to blame for the incident. It varies depending on the car that is covered, the age and experience of the drivers on your policy and if you have opted to take protected No Claims Bonus. Details of your excess will be shown on the premium page when you have completed your quote, and on your Policy Schedule and Policy Wording.

    WHAT DOCUMENTS DO I NEED TO PROVIDE?

    At the time of installation of your Drive Smart box you must show the engineer your driving licence (photocard and green counterpart) , your vehicle registration document (V5C) and proof of no claim bonus if applicable. If you have only just purchased your car proof of purchase will be sufficient. If you don't have these documents when the engineer arrives to install your Drive Smart box the installation will not be completed and there will be a fee to pay for the failed installation.

    Copies of all other named drivers' licences (photocard and green counterpart) will also be required and you can upload these from your Drive Smart Dashboard.

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Useful Tips

We’d like to help you find car cover that suits your needs, at the right price. At the same time we try to make insurance simpler and more straightforward. So we hope you find the following information helpful.

  1. 1 Before you get a quote

    Make sure you’ve got all relevant information to hand so you can complete all questions fully and accurately.

  2. 2 Excess

    The amount we expect you to pay towards any claim. With the car insurance quote you get from us online, you can choose to increase the excess and pay a lower premium if you so wish. Bear in mind though, opting to pay a higher excess only makes sense if you can easily afford to pay that excess in the event of making a claim. You wouldn’t want to claim for damage that costs less than your excess.

  3. 3 Mileage

    It’s important to give an accurate estimate of your mileage as the amount of miles you do affects your premium. The more accurate you can be, the fairer quote you’ll receive.

  4. 4 Class of Use

    Think about how you intend to use your car. Do you need it for popping down to the shops and everyday uses? Or do you need an insurance quote that covers you for driving to and from home and work? Or would you like to be covered to use it for work as well?

  5. 5 No Claims Discounts

    We reward careful drivers with No Claims Discounts. Each year that you avoid having to make a claim, we’ll increase your discount, up to the ninth year.

 

About Us

Drive Smart is a car insurance policy that helps safe drivers get a better deal. Yes, you may have heard that before, but we do offer you a real difference. Using the latest technology, we measure the safety of your driving including the key parameters below:

 
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Get In Touch

Questions about your cover? Want to report a claim?
Or do you need some advice? Just call or email the relevant department on this page.

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Customer Services

Tel: 0330 024 4692
Fax: 0330 024 4691

customer.services@drivesmartinsurance.co.uk

Free Post Licence Number RTLH-GBUY-CKAT
Drive Smart Insurance,
St James House
27-43 Eastern Road, Romford, RM1 3NH

Opening Hours
Monday - Saturday: 08.00 - 20.00
(Good Friday & Easter Monday 09:00 - 17:00)

Sunday: 11.00 - 16.00
Bank Holidays: 09.00 - 17.00

 

REPORT A CLAIM FROM UK

Tel: 0330 024 8055
Fax: 0330 024 4776

claims@drivesmartinsurance.co.uk

Free Post Licence Number RCC 1224
Drive Smart Insurance Claims,
150 South Street, Dorking, Surrey, RH4 2BR

Opening Hours
24 hours a day, 7 days a week

 

REPORT A CLAIM FROM OUTSIDE THE UK

Tel: +44 1306 747 515

claims@drivesmartinsurance.co.uk

Free Post Licence Number RCC 1224
Drive Smart Insurance Claims,
150 South Street, Dorking, Surrey, RH4 2BR

Opening Hours
24 hours a day, 7 days a week

 

THEFT TRACKER HELP-LINE

Tel: 0844 583 9529

Opening Hours
24 hours a day, 7 days a week

 

MOTOR LEGAL EXPENSES INSURANCE

Tel: 0208 844 8432

drivesmart@crusaderassistance.co.uk

Crusader Assistance
21 High Street
Feltham, Middlesex, TW13 4AG

Opening Hours
New Claims
Monday – Friday : 08.00 – 19.00
Saturday : 09.00 – 16.00
Bank Holidays : 10.00 – 14.00 (excl. Christmas)

Existing Claims
Monday – Friday : 09.00 – 19.00
Saturday : 09.00 – 13.00

 

MOTOR CONTRACT DISPUTE ADVICE

Tel: 0208 844 8432

drivesmart@crusaderassistance.co.uk

Crusader Assistance
21 High Street
Feltham, Middlesex, TW13 4AG

Opening Hours
New Claims
Monday – Friday : 08.00 – 19.00
Saturday : 09.00 – 16.00
Bank Holidays : 10.00 – 14.00 (excl. Christmas)

Existing Claims
Monday – Friday : 09.00 – 19.00
Saturday : 09.00 – 13.00

 

RAC BREAKDOWN

Tel: 0333 202 1867

Members with hearing difficulties will need to prefix 18001 before dialling the relevant number to be connected to Type talk or use the SMS facilities on 07855 828282.

Opening Hours
24 hours a day, 7 days a week