Young driver car insurance FAQs

MORE THAN will stop offering SMART WHEELS young driver insurance as part of our product range for new customers from Sunday 30 April. For renewing customers, this will be from Wednesday 31 May.

If you're a current customer with us, there is no need to worry. Your car will continue to be insured and your cover will carry on as normal. You can get in touch with us to make a claim and make any other changes in all the usual ways. 

We will contact you in plenty of time before you have to take any action, with details about your options and what the next steps will be.

MORE THAN continues to remain a strong brand in the marketplace for home and pet insurance. A business decision has been made to concentrate on these products and withdraw from providing MORE THAN car insurance in 2023.

We will get in touch with you in plenty of time before your renewal is due, where you'll be asked to switch your current policy to Swinton Insurance.

If you'd prefer to make your own insurance arrangements and not be contacted by Swinton, you'll be given the option to opt-out.

No, your current MORE THAN car, SMART WHEELS or LOW MILER policy, will continue unaffected; you will be able to make changes, claim and contact us as normal.

If you are an existing MORE THAN customer with a home or pet policy, there is no impact to your insurance.

We will send you an email (which will also go into your online portal) around 3 weeks before your current policy renewal date, to confirm that you will need to arrange your car insurance with an alternative provider with effect from your policy expiry date.

Further details on your options and next steps will be contained in our communication sent out to you ahead of your policy expiring.

We are able to provide communications in alternative formats if required and you can contact us in the usual way to request this.

No, your ongoing car insurance claim will continue to be dealt with by MORE THAN until the claim has been closed.

If the incident you are reporting occurs prior to the end date of your existing policy, you should report your car insurance claim to MORE THAN in the normal way. If the incident you want to report occurs after your car insurance cover has moved to another provider, you should report it to your new car insurance provider.

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.

You can view, print and save your Policy wording, charges and fees, Essential information and Insurance Product Information Document in your online portal.

To get your Certificate of Motor Insurance or proof of your no claim bonus please contact us.

You'll be asked to send us a few important documents to help us to validate your policy. You can upload these documents via your online portal. 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 provide 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.

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 at least 50% of the time

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. If you do change your car you must tell us immediately.

Copies of policy documents usually take between 7 to 10 working days to arrive by post, 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. 

How to get in touch 

To talk to us about the options that might be available to you, you can view our phone numbers and opening hours by visiting our contact us page. 

Please don’t cancel your payments without speaking to us first as we may be able to help. 

If you’d like some free, independent advice 

There are a number of places that offer free independent advice. For example, the National Debtline offers free and impartial debt advice for people living in England, Wales or Scotland. 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.

You get a score that reflects how you've driven in the last seven days, in the last three months, and in your policy year to date. 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!

Remind anyone who drives your car that they need to drive safely as the box will be recording their driving style too.

You can purchase a Foreign Use Extension, which can be added to your existing car insurance policy; however, we urge you to check the advice issued by the Foreign, Commonwealth & Development Office (FCDO).

Call +44(0)20 7008 1500 or visit the FCDO website. The FCDO provides daily, up-to-date advice on every country.

If you would like to purchase a Foreign Use Extension please contact us.

Your UK car insurance covers you to drive in the EU, Norway, Iceland, Switzerland, Serbia, Andorra, and Liechtenstein. UK drivers don’t need to apply for a Green Card when travelling in or between the UK and EU and in the countries listed above. This includes driving in Northern Ireland and across the border to the Republic of Ireland. UK Motorists driving in these countries have access to the Green Card Free Circulation Area to enable driving across these European borders without producing a Green Card.

There are some countries that still require a Green Card to be produced when driving there, please visit Driving abroad - GOV.UK for the latest information. You will need to call us at least three weeks before your departure date to request a Green Card to ensure it arrives in time.

Please note, the car insurance we provide as standard is the minimum cover you need by law of the country that you were driving in when the accident or incident occurred. This may be different from your UK cover.

If you want to extend your cover to what you get in the UK, please contact us before you travel to add the Foreign Use Extension.

A Green Card is issued by your motor insurance company and has information about your vehicle such as its licence plate number and demonstrates that you have the necessary minimum motor insurance cover in place to be on the roads. If required in the country you are travelling to, or through, drivers must physically carry the green card with them whilst driving.

Yes, your breakdown cover will still work as usual across the EU if you have purchased the European breakdown option.

You can read the Government’s most up-to-date guidance on international driving permits, including checking which Post Offices offer this service and the Government’s guide to visiting Europe.

Contact us for further information. Our team is here to help.