How First Cover works.

With First Cover, you can drive away with 7 days free comprehensive Motor Insurance when you buy a new or used smart vehicle from a smart Showroom.​

You will receive an annual quote as part of the process and your cover note will be sent to your chosen Showroom,​ which means you'll have everything ready when it comes to collecting your new vehicle.

First Cover features include:

  • Guaranteed repairs at a smart Authorised Repairer, using genuine smart parts.
  • 24/7 UK accident recovery to your nearest smart Authorised Repairer
  • UK call centre
  • Unlimited cover for in-car audio and telecommunication equipment (including COMAND systems), fitted by the factory or Showroom
  • Your 'No Claims Bonus' is unaffected if you are involved in an accident with an uninsured driver which is not your fault
  • Courtesy car as standard
  • New Car Replacement - if you've owned your vehicle from new, and it's written off or stolen and not recovered in the first 12 months of purchase, we will replace it with a new vehicle of the same make, model and specification
  • Uninsured Loss Recovery up to £100,000
  • Personal belongings covered up to £500
  • We will pay for the replacement of locks and keys if your keys are lost or stolen

My Insurance - Existing Customers

If you need help, or if you want to amend your policy, please call Insurance by smart on 0345 040 2091 and our team will be happy to help.

Calls maybe recorded, lines are open Monday - Friday: 9:00am - 7:00pm, Saturdays: 9:00am - 4:00pm and Sunday: Closed. Bank Holiday hours may differ.

To make a claim

If you need to make a claim on your Motor Insurance policy please contact us on 0344 4933 232. We are open 24/7.

Insurance by smart is a trading name of Mercedes-Benz Insurance Services UK Limited, Registered in England No. 03510012. Registered office: Delaware Drive, Tongwell, Milton Keynes, England, MK15 8BA. Authorised and Regulated by the Financial Conduct Authority under firm reference 311715, you can check this on the Financial Services Register by visiting the FCA's website:
All motor policies are arranged and administered on behalf of Mercedes-Benz Insurance Services UK Limited by Lloyd Latchford Group Limited, Registered in England No. 05988054. Registered office: Embankment West Tower, 101 Cathedral Approach, Salford, M3 7FB. Business and correspondence address: Artisan, Hillbottom Road, High Wycombe, HP12 4HJ. Lloyd Latchford Group Limited is authorised and regulated by the Financial Conduct Authority under firm reference 496330. Please note, we may decline to quote in some circumstances. The motor insurance policy is underwritten by the insurer shown on your policy schedule and certificate of motor insurance.