How First Cover works.

Once you've chosen your smart you understandably can't wait to drive it away. With First Cover from smart you don't have to wait because we offer 7 days complimentary motor insurance cover when you buy a new or used smart from a smart Retailer.

You will receive an annual quotation prior to your First Cover documentation being sent directly to your Retailer. Which means you will have everything ready when it comes to collecting your new smart.

First Cover features include:

  • Guaranteed repairs using smart GenuineParts at smart Approved Repairers
  • 24/7 UK accident recovery to your nearest Approved Repairer
  • UK call centre
  • Unlimited cover for manufacturer specification in-car audio and telecommunications equipment, fitted by the factory or Retailer
  • Your 'No Claims Bonus' is unaffected if you are involved in an accident with an uninsured driver which is not your fault

My Insurance - Existing Customers

If your policy started before 2nd December 2019, please lick the below to use the 'My Insurance' Online portal.

If your policy started after 2nd December 2019, please call Insurance by smart on 0345 040 2091 and our team will be happy to help.

Apply for First Cover.

Tel: 0345 605 6508

(Calls maybe recorded, lines are open Monday - Friday 9.00am - 7.00pm, Saturdays 9.00am - 4.00pm and Sunday: Closed)

To make a claim

If you need to make a claim on your First Cover Motor Insurance policy please call:

Make a claim: 0344 4933 232

Make a claim (abroad): +44 191 2889845

Make a windscreen claim: 0344 4933 232

The insurance is accepted and underwritten by Acasta European Insurance Company Ltd which is managed on behalf of AutoProtect (MBI) Limited. Acasta European Insurance Company Ltd, 5/5 Crutchett’s Ramp, Gibraltar, GX11 1AA is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Their FCA registration number is 456936.
AutoProtect (MBI) Ltd is authorised and regulated by the Financial Conduct Authority. FCA No. 312143.

To get First Cover call us on 0345 605 6508.