Q. Why do you need to install a box in my car?

A. The box will record how you drive & measure a number of factors for example speeding, night time driving, braking and how often you drive in congested traffic.  We believe that if you achieve high scores you will benefit from a cheaper premium as well as being a safer driver. The box also works as a tracking box if your car is stolen.

Q. Do I have to pay for the box?

A. The cost of the first box is included in your premium, however if you change your car we may ask you to pay for the box to be installed in the new vehicle, depending on how long you have been on cover with us.  It may be possible for you to use our Drive Smart App instead of a box if you have a Smart Phone.

Q. Can the box be fitted to all cars?

A. Most cars are compatible with the Drive Smart box but we will let you know if your car isn’t suitable.

Q. How does the Driving Score system work?

A. When you take your policy out we will calculate a base score which is calculated on how we think you will drive, this will include a discount on the basis that you are a good driver. You will be able to see how you are doing by checking your Drive Smart Dashboard.

We will review your score on the 4th & 8th month and we will advise you by email if there is any additional or return premium due.  If you are paying by instalments we will advise you of the amended instalments due. If you have paid in full we will give you 7 days’ notice, by email, of the amount that will be debited or credited to your card.  Unless you advise us otherwise we will debit the payment card provided when you took your policy out.

Q. When will my box be fitted?

A. You can select a preferred date or time for installation when you buy your policy.  This will be 15 – 28 days after your cover starts. It is a condition of your policy that the box is fitted within this timeframe and your policy may be cancelled if it is not possible to arrange installation.

You will receive an email from our engineers, normally within 48 hours of buying your policy. You must call our engineers to confirm the installation appointment. Only at this point is the installation confirmed.

Q. Where can the installation take place?

A. You will be able to choose your preferred location for fitting providing it is in a secure location, such as your home or work place but not a layby, supermarket or public car park, slip roads or busy roads. There should be enough room around the vehicle to open all doors and the boot and for the engineer to work safely. Parking must also be available nearby for our engineer.

Q. How long does the installation take?

A. Fitting normally takes a maximum of 1 hour.

Q. Can I change my appointment?

A. If you need to change your appointment, you must call our engineers on the number supplied in your confirmation email. You must give at least 24 hours notice. The re-scheduled appointment must be within the original timeframe of 15 to 28 days after you purchased your policy. If you are unable to set up an installation appointment within the set timeframe, your policy will be cancelled.

Q. Does the policyholder have to be present at the installation?

A. No, as long as the engineer has access to the car and has been given the documentation required, a family member or trusted friend can be present when the box is installed.

Q. What happens if the box stops working?

A. If the box is damaged an alert is sent to our staff.  In 90% of cases we can fix it remotely but if that’s not possible an engineer will be sent out to fix or replace it. So long as the box has not been tampered with or deliberately damaged, this will be done free of charge.  While the box is not working, your driving score will not be changed.  If the box is tampered with we may cancel your policy.

Q. Could the box make my car go wrong?

A. No, the box will be installed by a trained professional and will not invalidate the manufacturer’s warranty.

Q. How big is the box?

A. It’s about the same size as most smart phones.

Q. How does the theft tracker work?

A. If your car is stolen you should report it to the police and obtain a crime reference number and let them know your car is fitted with a tracking box.  Then you should contact the theft helpline number on the theft tracker page. You will need your policy number and crime reference number which will enable them to trace your vehicle and notify the police.  You will also need to notify the claims helpline on 0800 316 2219 to let them know that the car has been stolen.

Q. Do you charge extra for the Theft Tracker service to be included?

A. No, it comes as a free extra with the box.

Q. What happens if I sell my car?

A. You will need to tell the new owner that a box is in place (see our Terms and Conditions).  The data feed can be switched off remotely by us or you can have the box removed at your expense.

Q. What happens if I change my car?

A. The cost of the box is included in the premium but if you change your vehicle, we may need to install a box in your new car. This will depend on how long you have been on cover with Drive Smart and how many miles you have driven. For this reason we do not recommend buying a Drive Smart policy if you are planning to change your vehicle in the near future.

Q. Will I be covered to drive other cars?

A. Driving other cars cover is not provided with Drive Smart policies.

Q. What time of night does Drive Smart class as high risk?

A. Night time driving is between 11pm – 5am as it is statistically proven that more accidents occur during this time, especially with young drivers. If you can try and leave your car at home between these times, it will help keep your premium down.

Q. Who owns the box?

A. We do but we give permission for you to keep it in your car.  It is a condition of your insurance that it remains in your car for the duration of your policy.

Q. Will I still get No Claims Bonus?

A. Yes you will still earn No Claims Bonus providing you don’t have any claims.

Q. Does my Drive Smart box mean I have a virtual speed trap in my car?

A. We track your speed for your Driving Score. However, we reserve the right to cancel your policy if there are three events where we have notified you that you have significantly exceeded the speed limit.

Q. Can you share my driving data with other insurers?

A. No. Your data is used purely for use with your Drive Smart Insurance policy. It will not be passed on to any other insurers.

Q. What happens if the police ask for the data?

A. We will only ever provide the data to the police, or any other civil authorities, if we suspect fraud or we are required to do so by law or a court order. At present, telematics data is not admissible evidence in a court of law.

Q. Is there anything other than my Drive Smart policy that the data could be used for?

A. We will use the data to help us identify if you are making a false claim. More often than not, data is used to protect you against a false claim being made by someone else. Data will also be used by our partners Wunelli for driving style research and analysis in an anonymised form.

Q. Will you supply any personally identifiable data to any third parties?

A. We will only do this to service your policy, prevent fraud, meet legal obligations or carry out research into telematics and other insurance products. Please see our use of data for more information.

Q. What is Continuous Payment Authority (CPA) and why must I agree to it?

A. Continuous Payment Authority allows us to automatically collect payments from your debit or credit card or give you a refund. We will review your Drive Smart score at the end of the 4th and 8th month after inception date. If your score is higher than at the start of the review period, you could qualify for a premium refund, but if your score is lower than at the start of the review period, you may need to pay an additional premium. CPA is compulsory for all Drive Smart policyholders.  We won’t take any money or give a refund without giving you at least 7 days notice. If you elected to pay by instalments, we will try to adjust any remaining monthly payments to reflect the change in premium. However, if all instalments have been paid, we will deal with any premium adjustments against your debit or credit card.

Q. Will a no deal Brexit affect my insurance?

Potentially yes. If you are planning on driving in Europe after the 29th March 2019 you will need a Green Card from your insurance company. This will need to be kept with you when you are driving.

A Green Card is an international certificate of insurance and provides proof of insurance for anyone driving their vehicle in any country within the European Economic Area (EEA) and also Andorra, Serbia and Switzerland. A full list of countries is available here.

An agreement was made in May 2018 between the relevant European insurance authorities to waive the need for a Green Card but this has not been confirmed by the European Commission so you will need a Green Card.

Find out more on the website

Q. Will I need a Green Card if I’m already in Europe?

If you are already driving in Europe before the 29th March 2019 you will need a Green Card.

If you do not have a Green Card (proof of insurance cover), you may not be able to drive in that country and you may be fined according to the law of that country.

Find out more on the website

Q. Do I need a Green Card for driving in Europe?

If you are driving abroad soon and will be back in the UK before the 29th March 2019 then you don’t need a Green Card. However, if there is a ‘no deal’ Brexit then you will need a Green Card if you’ll be driving in Europe after the 29th March 2019.  

If you do not have a Green Card (proof of insurance cover), you may not be able to drive in that country and you may be fined according to the law of that country.

Find out more on the website

Q. Can Green Cards be emailed to me?

No. Green Cards need to be sent to you in the post.

If you will be driving in the EEA, Andorra, Serbia or Switzerland after the 29th March you will need to apply to us for your Green Card.  The Green Card will need to be sent to you through the post so please allow 15 days to apply before you plan to travel and ensure your policy address is correct.

Please email us the following details:

  • the start and end date of your journey
  • the countries you are going to visit
  • your policy number
  • your address

The Green Card is an extension of the policy so if there are any changes to the policy details, including address, driver or vehicle cover details please let us know.

Visit the Government website for more information about Green Cards.

Q. Do I need an international driving permit?

After the 29th March 2019 your driving licence may no longer be valid by itself when driving in the EU.  If there is a no-deal Brexit you may need to obtain an International Driving Permit (IDP) to drive in the EU. This document must be carried with you, together with your UK driving licence when driving in the EU. There are different types of IDP depending on which country you are visiting so check to see which one you will need.

If you do not have an IDP you may risk being turned away at the border or other enforcement action, e.g. a fine.

International Driving Permits are NOT provided by your insurance company. To find out more about them and how to obtain one, visit the Government website, click here.