Frequently Asked Questions
Get all your answers in one place.
Frequently Asked Questions
Am I covered to drive my car abroad?View Answer
You are covered in Europe for a maximum of 30 days per policy term.
Are there any restrictions on when and how many miles I can drive?View Answer
You can drive any time of day or night – however, frequently driving at risky times, such as after 11pm, may 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.
Can I drive any car?View Answer
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.
Can I drive before I’ve fitted my Smartplug?View Answer
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.
Can I temporarily add a driver to my car insurance?View Answer
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.
Can you send me proof of my No Claims Discount (NCD)?View Answer
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.
Do I have to provide you with photos of my car?View Answer
Yes, one from each corner angle of the car is required. We will send you detailed information on which photos are required.
Do I need cover for business use?View Answer
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.
Do I need to provide proof of my No Claim Discount (NCD)?View Answer
We do not require proof of your no claims discount. However, your insurer may request proof in the event of making a claim.
Do you cover cars with modifications?View Answer
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.
How do I know the plug is working?View Answer
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.
How much data usage will the app use?View Answer
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.
I already have something installed in my 12V port, what do I do now?View Answer
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.
I don’t have 12V port?View Answer
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.
I have a 12V or OBD Port in my boot, can I use it?View Answer
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.
I think my Smartplug is faulty, what do I do?View Answer
If you believe your Smartplug is faulty, please contact our device support team on 0333 772 0489, who’ll be able to help you.
If I buy a new car, how do I change my insurance to my new car?View Answer
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.
Is my windscreen covered?View Answer
Yes, with an excess payable of £35 for repair or £95 for replacement.
To insure my car, do I need to be the registered keeper?View Answer
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.
Provisional drivers are able to insure their parents, family member or family friends car as long as the owner also has their own, Comprehensive cover on that vehicle.
What are you doing with my data?View Answer
What data are you collecting?View Answer
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.
What do I need to do if I need to make a change to my details?View Answer
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.
What happens if I cancel my policy?View Answer
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.
What happens if I lose my insurance certificate?View Answer
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.
What happens if the Smartplug falls out or I unplug it?View Answer
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.
What if I don’t have a Smartphone or don’t want to use an app?View Answer
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.
What is an excess?View Answer
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.
What is Smartplug?View Answer
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 40% off 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:
This device simply plugs into your 12v Charger Port and the device is tucked away in one of our two preferred locations
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.
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.
What is the SDCI app/online dashboard?View Answer
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.
What type of cover can I buy?View Answer
We offer multiple cover levels including;
- 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.
Where can I download the app?View Answer
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.
Where do I put the plug in my car?View Answer
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.
Who has access to my information?View Answer
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.
Why are my journeys not showing?View Answer
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.
Why should I download the Smartphone Application (app)?View Answer
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.
Will the police be told if I speed?View Answer
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.
Will the Smartplug affect the performance or warranty on my car?View Answer
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.