Only Smart Drivers

We no longer offer new Only Smart Drivers policies

However, our sister company Atlanta Insurance Intermediaries Limited, the home of our Be Wiser brand, may be able to offer you cover. Please visit Be Wiser for an online quote or call 0333 003 8450.

If you’re an existing Only Smart Drivers customer, we’ll contact you at your next renewal. Please rest assured these changes don’t impact how we look after you and your insurance on a day-to-day basis, or the level of customer service you expect from us.


Got some questions about Only Smart Drivers and how it works? Check out our most frequently asked questions below.

If you want to make any changes to your policy, no matter how insignificant they may seem, contact us immediately on 0330 343 8871. Please note that we’ll charge you an administration fee of £37.50 for processing changes to policies. Please check your policy booklet to find out more.

It’s essential to check your policy documents as soon as they arrive. If any details are incorrect, you must contact us immediately. We’ll make any necessary changes and make sure we get the corrected documents back to you as soon as possible.

If you need to report a claim, or you need assistance in the event of an accident, simply call our Claims Helpline on 0330 343 8871. We’ll provide any immediate assistance you may need and then guide you through the claims process.

When your renewal is due, you’ll receive a letter from us outlining your options.

You have the right to cancel your policy at any time, subject to fees. We will charge you an administration fee of £79.95 to cover administration costs, in addition to any charges your chosen insurer may apply. In most cases, you will not receive a refund for your telematics device. Please see your policy booklet for details.

Based on the vehicle you drive, your driving experience and where you live, we will work out the cost of your first year’s insurance. Using the telematics data collected by your black box, we will then calculate a discount based upon your driving score so that after renewal, if you have been driving sensibly, your premiums are likely to decrease.