Frequently Asked Questions

If we have told you we will automatically renew your policy and you do not want it to be renewed then please follow one of the below options.

– Email us at service@sdci.co.uk
– Call us on 0330 0417 000 + 5

Our rates can change on a daily basis so if you’ve found a better then give us call and we can discuss your renewal price further

If you believe your Smartplug is faulty, please contact our device support team on 0333 772 0489, who’ll be able to help you.

Please call us if you believe you don’t have a 12V port. They’re not always in the most obvious places and we have location details for most vehicle makes and models.

It’s a requirement of the policy to install your 12V Smartplug, most newer cars have multiple 12V ports, but if you don’t, you’ll need to buy a 12V splitter from somewhere like Amazon, to allow both devices to work.

Yes, if you think it’s less likely to be knocked or become distracting, then you can install it within your boot. Please make sure to check it periodically to ensure it’s not come loose.

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.

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 Services and Smart Driver Club  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 Services, without the consent of the person whose information will be shared, unless we are required or permitted to do so by law.

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 policy 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”.

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).

*for select Motor dealership customers only. This feature is not available to most customers.

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. Please be advised that it is a condition of the policy for Windscreen Smartplug users to install the SDCI app and keep Bluetooth and locations services turned on.

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.

The app uses a minimal amount of data for 12V and OBD Smartplugs as it’s only displaying data.

Windscreen Smartplug app users will use a little more data, the equivalent of playing a few songs from a cloud account or music subscription each month.

Windscreen Smartplug users will have the option to “Allow Wi-Fi uploads” misimising data usage further, but please be advised, this will significantly reduce our speed of response should you be involved in an accident.

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.

The SDCI app is your link to all your driving data and policy benefits. It’s also how we’ll communicate with you. If we’ve sent you’re a Windscreen Smartplug, then installing the app and enabling Bluetooth and location services is a requirement of your policy. Your policy could be cancelled if this isn’t done.

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 send all of your policy documents and any correspondence including cancellation warnings.

If you have received your renewal documents, your NCD will be stated on the forms; NCD can only be issued when a full year has been completed. If you have cancelled your policy part way through the year, please use the NCD certificate supplied by your previous insurer.

As long as you’ve not made a claim or no claim has been made against you, we will calculate how much of your insurance you have used and deduct this from any payments made along with any applicable fees. Fees will vary by insurer, the length of time you’ve had your policy and whether a Smartplug has been issued and returned.

All of your documents can be found in your SDCI app. 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.

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

* Terms, conditions and exclusions may apply

No, we do not allow temporary drivers to be added; however, you can add a driver permanently at any time, subject to your insurer accepting their risk details.

Yes – subject to your policy excess and Comprehensive cover only

Not automatically, the majority of Comprehensive policies no longer include this as standard.
Your certificate of Motor Insurance will tell you if this included in your policy.

If you buy a new car please call our service centre on 0330 041 7000 with the registration, make and model of your vehicle. Please be aware an additional premium may be payable.

Please call our service line on 0330 041 7000 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.

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. Additional excesses may apply. These will be shown in your policy wording and/or Your agreement with Smartdriverclub Insurance.

You can drive any time of day or night – however, frequently driving at risky times, such as after 11pm, will reduce your driving rating, preventing you from getting a discount on next years renewal quote. Continually driving between these times could lead to your policy being cancelled.

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.

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.

Please note, some minor modifications such as tinted rear windows may not quote, but we may be able to cover you, by excluding those modifications from your cover. If your quote is declined when adding modifications, please call us on 0330 041 7000 to see if we can help.

In order to insure a car, you need to have an insurable interest in that vehicle. This means you need to be the owner or the owners spouse. Please note, this does not include common law.

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, care workers who visit patients houses etc.

We offer multiple cover levels including;

• Comprehensive
• Third party fire and theft
• Third party only
• Provisional cover

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.

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. For windscreen Smartplugs, you will need to have paired the Smartplug to your phone and enabled location services within 7 days of purchase.

No. none of our Smartplugs will effect your manufacturer or dealer warranty and is manufactured in such a way as to ensure it doesn’t interfere with your car’s performance.
Our 12V Smartplug draws a minimal amount of power from the 12V port, less than a satnav or mobile phone would.

The OBD Smartplug uses the vehicles OBD port for power and is not configured to access any of the vehicles gateways to read data from the vehicle.

Your Windscreen Smartplug is no different to a suction based phone holder or old style tax disc.

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 or deemed invalid. If your plug falls out, please simply reinstall the plug and we will start collecting data again immediately.

You can see that the plug is working as data will be appearing on the SDCI 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/become loose, we will call you to see if there is a problem or the plug has been disconnected in error.

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

12V Smartplugs should be plugged into your cars 12V port (Old cigarette lighter socket) and then fastened to the vehicles carpet, out of the way so it can’t be knocked.

OBD devices need to be installed into your cars OBD port. This is the port your mechanic uses to read vehicle faults. If you’re struggling to find this, please call us on 0333 772 0489

Windscreen Smartplugs should be stuck to the vehicles windscreen and paired with your SDCI app. We’ve included a handy set up wizard as part of your app.

A Smartplug is a small device that fits discreetly into your car and allows us to provide you with free theft tracking and accident assistance, whilst providing us with the data we need to help you achieve a discount on your renewal.

If you recently 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.

We use several types of plug dependent on your vehicle and your insurers requirements:

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.

Windscreen Smartplug™

This is our smallest device, simply peel of the back strip and stick it to the inside of your cars windscreen, either where you used to put a tax disc or behind your rear view mirror (If it can fit).

You’ll need to have the SDCI app installed to pair your device with your phones blue tooth.