What are my obligations?
You must provide full and accurate information to all questions asked. Your answers must be true to the best of your knowledge and belief. Your answers will form part of the statement of facts on which your policy will be based. If you become aware that information you have given us is inaccurate or has changed, you must inform us as soon as possible. Failure to do this may invalidate your policy and claims may not be paid.
You must be the UK registered keeper or hirer of the insured vehicle which was purchased within the last 30 days and is to be principally used in the UK, Ireland, Isle of Man or Channel Islands and for no more than 60 days in any one trip within the EU.
You must advise us if you sell or transfer ownership of the vehicle. If the transfer of ownership is to a family member and within 90 days of the start date it is possible to transfer the cover. You will need to contact us to arrange the transfer.
You must make us aware of any change in circumstances that effect your eligibility for this policy.
In the event we cannot complete a minor damage repair and instruct you to arrange a body shop repair, you are required to submit a paid invoice to us for reimbursement of your £150.
All claims must be reported to us as soon as possible, and no later than 30 days after the damage occurred.
For all obligations please refer to your policy document.
How much does SMART Insurance cost?
SMART Insurance costs £299 for up to 36 months of cover. You can pay this as a one-off payment or spread the cost over 10 monthly instalments of £29.90.
Who is the underwriter?
SMART Insurance is underwritten by Fortegra Europe Insurance Company Limited, who are authorised and regulated by the Malta Financial Services Authority under reference no. C 84703 and subject to limited regulation by the Financial Conduct Authority under reference number 805770.
Fortegra Europe Insurance Company Limited
The Reed Centre
Ta’ Xbiex Marina
How to make a claim through SMART Insurance?
Claiming through SMART Insurance has never been easier thanks to Premia Solutions’ online claim portal. You can contact them by:
From there, you’ll be asked to complete a claims form and return it back along with accompanying supporting photographs.
Once your form and photographs have been assessed – checked to see if they meet the criteria – and authorised, a skilled approved repairer will conduct a repair at a time and place convenient for you.
How do I cancel the contract?
If you have not made a claim and do not intend to make a claim you may cancel your SMART Insurance within 30 days of receiving the policy documents and you’ll receive a full refund of the premium.
If you cancel after 30 days you will pay for the number of months you have had the insurance for. This figure will be rounded up to the nearest month, and the rest of the premium will be returned to you, minus an administration fee of £35.
- 36 months cover
- Premium paid £360
- Cancellation in month 12 leaves 24 full months remaining
- Refund of £240—£35 administration fee
- Amount to refund £205