Smartdriverclub Insurance Reviews 

Very good insurance company and good team I am satisfied with them no complaints

Only 3 stars due to only not being allowed to drive between the hours off 11pm - 5am, they say its because that is when most accidents happen, but if you look it up, that is false, I work until 3am! So this is a big inconvenience, everything else is great.

I drive on motorway regular for work sometimes can finish really late during shift patterns so at night driving this give me a low score. Also when I have to put the foot down a little and go over speed limit because there is lorry’s up my behind too close flashing for me to speed up can make it Dangerous for me. This happens a lot

Appalling customer service. In the space of 3 days I was told that my driving was great and I was eligible for a discount at renewal, followed by my insurance was being cancelled for excessive speed. When I challenged this they promised to look into it and get back to me, which they did not. Takes an hour to get through on the phone to be met with intransigence. Stay away from this company.

Robbed me I drove well with my black box in yet I've had to pay more this year really not happy at all

Ok but not the best could have had better

Laughable company. Avoid at all costs. Offered me a renewal when my policy was coming to an end. Renewed with them, score hadn’t changed in over a year yet they still cancelled my policy two months into the renewed policy and are now trying to charge me. I won’t be paying the fees. If the score was an issue don’t offer a renewal. Jokes

I had paid all of my premium over 11 months, and had just moved address (although they made it clear that nothing could be backdated anyway, so the changes were from todays date).

i know from previous experience that there is a £30 fee for changing key information.

however, despite removing business, lower mileage per year and being on a private driveway day and night, with me now working from home, I was told that I needed to pay £71ish (including the £30 changing fee).

after a lengthy discussion to try and clear this up, it was repeated to me that its all down to the underwriters, when asked if i could speak with them, i was told that they wouldn't be allowed to reveal why they've made that decision.

so basically, they can come up with whatever number they want, and no-one is allowed to question it????

what I truly don't understand is that I've already paid all of my premium, so it feels like they're asking me to pay an additional months insurance on top of a very unreasonable changing fee.

was not helpful at all when asking for a complaints department, i was just told that they would log it, which i assume / know, means that nothing will be done.

Brilliant company. Always answer any questions.

Your monitoring system and communication about the service are excellent.

Excellent reward for good drivers

I like the final product
The wait times on the phone for customer service and shocking... so long I am looking to get my insurance elsewhere
My insurance premium went up this year even though I had great score.. Found the RAC was £70 cheaper for the same cover and no black box yippee

I felt cheated as at the end i have to pay £60 as they decide to cancel my policy. First, they claimed the device was successfully delivered to me and i need to install it within 7 days, if not policy will be cancelled, means £60 penalty. I immediately called the customer service team which you need 45mins to get hold of them that i didn't receive the device. They got my address right on their system but somehow wrong delivery address(is that possible??) Same issue on 2nd delivery! 3rd time lucky - delivered.

Device received, apps installed and stick to windscreen. Received email confirmed all good. Following week, another email said i failed to install the device and now they are going to cancel my policy and i have to pay £60.

I am ok to pay £60 as i have enough of the joke with them. Just want to share my experience to avoid you have the same issue. I had spent so much time to deal with them. I will go back to a reputable insurance company (Aviva) as the premium paid is only £50 more. I am not saving as I have to pay £60 and my valuable time to deal with them.

Update: 22/8/21 - I received a letter dated 26/7/21 to advise that the policy will be cancelled 7 days from the letter. Spoken to the customer service and confirmed that the policy would be cancelled on 2/8/21. Hence i started to source a new insurance policy. On 11/8/21, they sent me the same letter with the same content. Only saw the letter upon my return from holiday. That means my car is insured twice. Again proof that Smartdriverclub keep confusing consumers!

very good insurance

Easy to set up insurance. I got a device to monitor driving behaviour which acts as a tracker too. Not sure if it’s a good or bad thing but will come in very handy if I forget where I parked. Privacy could be an issue for some though. Cost was reasonable for 1st time business on a mondeo. Beware any changes to the polices details costs £30 a time so try to get things right first time on applying. You can also earn up to 40% off then renewal with good driving.

Excellent service!!! No issues so far.

Due to the fact I bought a new car I contacted my insurance company Smart Drive and asked re changing the details of the car on the policy. They stated that they couldn't insure the car and therefore to cancel my policy mid term it would cost £30 and the final bill would be sent. I waited but I received a bill for double the amount. It was at this point reveled to me by close brother premium finance( who loan the amount of my insurance to smart drive) had received documentation from Smart driver stating that they would not pay the shortfall difference ( refused to pay) - never was I stated this in the phone call- and despite me paying it ( as it was forwarded to debt recovery crooks) when I try to contact Smart Drive for clarification of this they state that their office cant take calls due to being in a state of emergency. would never go with SMART DRIVE ever again!

Your guide for buying insurance is easy and straight forward.

Very easy to set up. Good communication.