Young driver car insurance FAQs
Let us answer all your questions about young driver car insurance
Yes, if you’ve just passed your driving test, or have sent your licence off to the DVLA, you can send us your driving test pass certificate instead when you send us your other documents such as your DVLA summary.
We've calculated your price to take your driving experience into account. SMART WHEELS is all about giving you feedback to help you become safer and more confident on the road. Check your app and dashboard to see how you're getting on.
Your documents are available in the Policy section of your online dashboard.
When you first log in to the dashboard or app you'll be prompted to upload your documents. After this you can upload documents using the documents page in your dashboard. Simply click on the relevant document in the app or dashboard and upload a clear picture. Using the app you can upload a picture directly from your mobile phone camera. Please upload or send us the following within the first 14 days of your policy to avoid cancellation.
- Proof of your NCD (if you declared any when taking out your policy). This must be in the policy holder's name, less than two years old and not currently in use on another car insurance policy.
- A clear copy of the front and back of the photo card driving licence for any drivers aged 25 and under (if you have sent your licence off, please send in your driving test pass certificate instead).
- The DVLA information for any drivers aged 25 and under. Here's how you can get this:
- Have your licence number, National Insurance number and postcode to hand
- Go to www.gov.uk/view-driving-licence, select start now and enter your details
- Select share your licence information on the top tab and click 'get a code'
- Choose 'print or save a licence summary' to download the information we need, take a screenshot or save this as a PDF to upload/send to us.
We know that everyday life means that you may need to drive at unsociable times, so we don't impose a set curfew. However, we do give you feedback about whether you're driving at safe times in your usage score. We know it's more dangerous to drive at certain times of day such as early morning or during the night and whilst the odd journey during these hours won't affect your usage score, doing lots of journeys at these times will.
Your usage score also gives you feedback based on the length of journeys and number of journeys driven within 24 hours. You'll find this feedback, along with tips on how to improve your score, in the app and dashboard.
If your car isn’t parked 50% of the time at the overnight location you declared when you took your car insurance policy out with us, please contact us to amend your policy by filling in the online form on the help and support page.
Failure to do so may result in cancellation. A change of overnight postcode may result in a refund, an additional premium, or if the overnight location postcode is ineligible then your policy may be cancelled.
We hope not to have to cancel your policy but you should be aware that there are a number of reasons why this could happen. They include, but are not limited to:
- Failure to have the telematics box installed within 14 days of your policy purchase date
- Failure to send in all required document within 14 days of your policy purchase date
- Exceeding your mileage allowance (remember you can top up at any time)
- Repeated or excessive speeding
- Not parking at your declared overnight location postcode
For further information about the cancellation of your policy, please read the policy wording thoroughly.
You can track the miles you have driven, and your remaining mileage, in your app or dashboard. You'll also find an estimate of how many miles you are likely to drive in your policy year. Don't worry if you run out of miles, you can top up at any time.
The cost of top up miles is based on your driving score – the safer you drive, the cheaper your miles will be. However, remember to estimate your miles as accurately as you can from the start as topping up can be a more expensive option.
You can download your MORE THAN SMART WHEELS app or log into your online dashboard as soon as you have purchased your policy. We recommend that you check your score through your app or dashboard at least twice per week.
You must tell us if any of the information shown on your statement of fact changes, for example:
- Changes to your personal details such as name or address changes
- Any claims, convictions, or points on your licence that you didn’t have when you bought the policy
- Changes to your car, such as a new car, or any modifications you make to it
- Any changes to your long-term health which may affect your driving
If you wish to cancel your policy at any time or make any other changes, please contact us.
If you're thinking of changing your car please contact us to discuss how it might affect your policy. Please have the registration number or the exact make and model of the car you'd like us to quote for.
Postal paperwork usually takes between 7 to 10 working days, depending on the Royal Mail.
The credit or debit card payment is taken between 24 to 48 hours later and will appear as RSA on your bank statement.
Depending on your situation and what you need from your insurance, there may be ways we can help you manage your payments to make sure you don’t end up uninsured.
It’s important that you consider your options very carefully. For example, you may be able to reduce your level of cover.
This means your policy won’t provide the same level of cover as before, but your premiums may be more affordable on an ongoing basis. Our customers tend to consider this option when their circumstances make them unsure of their future financial situation. It also depends on what your cover needs are.
To talk to us about the options that might be available to you please call us on 0345 072 4422. For our opening hours please visit our contact us page. Please don’t cancel your payments without speaking to us first as we may be able to help.
Further guidance and support
If you have been financially affected by coronavirus please visit our coronavirus FAQs for more information.
There are also a number of organisations that offer free independent advice. For example, The Money Advice Service and National Debtline. These independent organisations offer tools and resources to support you if you are in financial difficulty. These include online budget planners, affordability calculators and information on support such as the Breathing Space scheme, which gives a 60 day period where debt cannot be pursued. This scheme can be used once in a 12 month period.
A black box is a telematics device which is fitted to your car somewhere out of sight and is a little larger than a smart phone. Your black box will be professionally fitted to your car once you've purchased your MORE THAN SMART WHEELS policy. Once fitted it records information about your driving style; such as speed, smoothness (acceleration, braking and cornering) and usage (the time of day you drive, the length of your journey and the number of journeys completed in a day). The information generates a driving score, which you'll be able to view by logging in to your app or online dashboard. Our best drivers are those that check their scores regularly, we recommend to check it at least twice a week. The better your driving score is, the bigger rewards you earn.
Your black box measures bits of your driving that we know are dangerous such as speed, how sharply you accelerate, brake and corner, and when you drive (the time of day, the length of journeys and how often in 24 hours). Our experts turn this data into a driving score based on what we know leads to accidents.
We look at how often, or not, these things happen and calculate your feedback based on that. This means your feedback shows how you drive most of the time; occasional mishaps don't hurt too much, but repeatedly driving dangerously will hurt your score.
Yes, you can drive your car as soon as your policy has started.
However, its important to get your black box fitted straight away as your policy may be cancelled if it is not fitted within the first 14 days of buying your insurance cover.
RS Connect fit the boxes for us - they'll send you a text message after you've purchased your policy with a link to an online booking service so that you can choose a day which is suitable for you. It takes no longer than an hour to fit your black box and we can fit the box at a place convenient for you whether that is at your home, work, or place of study. Please note that we will ask for someone over 18 years of age to be present to sign for the pre- and post-checks conducted by the black box engineer. You don't need to be present whilst the engineer is installing the black box - they'll contact you when the fit is complete so the post-checks can be conducted.
You get a score that reflects how you drive on the last day you drove, the last 7 days, in the last 3 months (this determines your rewards) and your policy year to date (this determines your renewal discount). You can check your scores using your app or dashboard. Our best drivers are those who check their scores often, so aim for twice a week!
High scores mean you're driving well, and you'll earn bigger renewal discounts, and quarterly rewards. Remind anyone who drives your car that they need to drive safely as the box will be recording their driving style too.
As well as earning quarterly bonus rewards, your driving score can earn you a discount at renewal for safe driving. You'll be able to check what discount you're on track for using the rewards section on your app or dashboard. Remember, the higher your score, the bigger discount you'll get on your price next year.
Drive safely, earn rewards.
Your bonus rewards are calculated based on your score at the end of each quarter; the higher your driving score, the bigger reward you'll earn. Your rewards will be loaded onto a pre-paid Mastercard® which is sent to your home address. This usually takes about 28 days from your quarter ending. Once activated, you’ll be able to use your card to spend your rewards at most places that display the Mastercard sign. Terms and conditions and understand how to activate your card.
To activate your reward card please visit https://www.myedenredcards.co.uk/iac/smartwheels and select ‘Activate your card’. You will need to enter some personal details like your name and email address and the serial number on your card. Then your reward card will be activated.
The reward card is valid for 12 months and the expiry date will be printed on the card. All funds MUST be used by the expiry date. Read our full terms and conditions.
Rewards are calculated at the end of every quarter (every 3 months). If your quarterly score is +5 or above; great news you’ll have earned a reward.
Your reward is pre-loaded onto Mastercard and is sent in the post to your home address, this usually takes 28 days from your quarter ending.
Although your reward will already be loaded you will need to activate the card to start spending. Terms and conditions and understand how to activate your card.
You can check the balance of your reward card by creating or logging in to your Rewards Account hosted by our partners Edenred or downloading the ‘My Cards’ App from the App Store. Alternatively, you can call the Reward Card team at Edenred on 0333 400 0018.
If you have hearing or speech difficulties you can use Relay UK via textphone by adding 18001 before dialling; or simply download the Relay UK App on your mobile or tablet.
You will need to verify yourself using your personal data such as name and address etc. The Reward Card team at Edenred are available 9am – 5pm Monday to Friday (excluding public bank holidays).
To request a new PIN number for your reward card, please visit www.incentiveawardcard.co.uk. Here you can create or log in to your Rewards account hosted by our partner Edenred and obtain a PIN reminder code. Alternatively, you can call the Reward Card team at Edenred on 0333 400 0018.
If you have hearing or speech difficulties you can use Relay UK via textphone by adding 18001 before dialling; or simply Download the Relay UK App on your mobile or tablet.
You will need to verify yourself using your personal data such as name and address etc. The Reward Card team at Edenred are available 9am – 5pm Monday to Friday (excluding public bank holidays).
Don’t worry, we all lose things from time to time. To report your reward card lost or stolen and set up a replacement reward card with our partners Edenred please visit https://www.edenred.co.uk/Lost-Stolen-or-Damaged-Cards/Lost-and-Stolen-Cards/lost-card/ and complete the online form. Alternatively, you can call the Reward Card team at Edenred on 0333 400 0018.
If you have hearing or speech difficulties you can use Relay UK via textphone by adding 18001 before dialling; or simply Download the Relay UK App on your mobile or tablet.
You will need to verify yourself using your personal data such as name and address etc. The Reward Card team at Edenred are available 9am – 5pm Monday to Friday (excluding public bank holidays).
