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The small-scale smart car is known for its nimble handling and ultra-compact dimensions, but insurance for this microcar still comes at a cost. This guide evaluates insurance for smart cars in the UK and offers tips for finding affordable cover.
Annual smart car insurance premiums typically range from £400 for basic third-party policies to over £700 for fully comprehensive cover, depending on the driver’s age, location, model year and intended use.
Factors that increase smart car insurance costs include:
When calculating premiums, insurers mainly look at:
Recent accidents, traffic violations and disqualifications raise insurance rates substantially, while a clean record lowers costs.
Mileage impacts premiums. Policies for daily drivers cost more than those covering occasional recreational use.
Insurers offer discounts for approved security devices and secure garaging, both of which deter theft.
Lower coverage levels reduce premiums but can leave drivers exposed if a major claim occurs. Finding the right balance is key.
Here are some ways to get cheaper smart car insurance in the UK:
You can improve your chances of finding affordable smart car insurance by taking the time to shop for policies on comparison sites. In addition, minimising the risk factors you have control over and enquiring about discounts helps secure the best savings.
The smart car sits in low insurance groups, normally between groups 1 and 9, depending on the model year and specifications. These groups offer lower premium costs.
The smart car has a mixed reliability record. Some reported costly issues were related to the transmission and engine in certain models.
A 2014 fourtwo model of smart car has a 4-star Euro NCAP rating (now expired). However, while crash protection is good, the shorter length of the car limits safety features.
A post-2015 petrol smart car can achieve an average 44 to 50 miles per gallon in normal driving conditions.
Yes, the latest smart EQ fortwo models are fully electric vehicles with a range of around 80 miles. Some earlier electric models are also available secondhand.
