First Cover


Drive away with 7 days complimentary insurance.


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.


Apply for First Cover

Tel: 0345 605 6508*

*Calls may be recorded (lines are open Monday - Friday 8.30am - 6.00pm and Saturdays 9.00am - 2.00pm)

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

Insurance by smart is a trading name of Daimler Insurance Services UK Limited. Registered Office: Tongwell, Milton Keynes MK15 8BA. Registered in England No. 3510012. We are authorised and regulated by the Financial Conduct Authority.

We are an independent intermediary dealing with selected insurers in respect of annual insurance. First Cover (7 day complimentary Motor Insurance) is underwritten by Aviva Insurance Limited. For mutual security calls are recorded and monitored for training purposes.




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