Car insurance for your Smart
Cover your Smart with Defaqto 5 Star rated car insuranceWhy choose LV= to insure your Smart Car?
Join over 3,000 like-minded people who insure their Smart Car with us
3,528 people insured their Smart Car with us (correct as of 25 March 2026)
Here's what you'll like about our comprehensive cover...
- Accidental damage cover
Scratched or dented your car? We pay for repairs so it's as good as it was before the accident - you'll just need to pay your excess.
- Uninsured driver promise
If the other driver is not insured and the accident's not your fault, you keep your no claim discount and there's no excess to pay - as long as you have the details of the other vehicle and driver
- Misfuelling cover
Accidentally added the wrong fuel? We'll pay to fix the damage to your engine and drain and flush the tank. You'll just need to pay your excess.
- European cover
Get covered in the EU for up to 180 days a year at the same level as your UK cover. Perfecto! Find out more about driving in the EU
- Vandalism promise
If your car is vandalised and you have to claim, you'll keep your no claim discount - you'll just need to pay your excess
- Replacement child car seats
We'll replace your child car seats if your car has been in an accident - even if there's no apparent damage
- New locks and keys
If your keys are lost or stolen. After all, accidents happen
Have an electric Smart Car? All this is included as standard...
- Recovery to the nearest chargepoint
Run out of charge in the UK? We'll recover you to the nearest chargepoint. We also have a fleet of vehicles we use in partnership with AFF, the national roadside electric vehicle charging assistance company, which can recharge your vehicle and get you on the road again. This won’t affect your NCD and there’s no excess to pay
- Cover for charging cables
Charging cables, wall boxes and adaptors are covered for accidental damage, fire and theft
- Battery cover
Battery cover for accidental damage, fire and theft – even if you’re leasing it separately from the car
- Over the air monthly updates (OTA)
OTA updates are covered as standard when you insure your electric vehicle with us, but if you or the previous owner paid for additional performance upgrades affecting speed or acceleration, we'll need to know. You'll only need to tell us once and not everytime you upgrade.
And if you choose our optional hire car cover:
- We’ll provide the use of an electric or hybrid hire car if your green machine is off the road
Smart Car safety features
Most newer Smart Cars have a number of beneficial safety features
Things like...
- Autonomous Emergency Braking (AEB) is a smart safety system that automatically applies the car's brakes if the driver doesn't react quickly enough to a hazard ahead, the system can help avoid or mitigate potential collisions.
- Crosswind assist activates at speeds of more than 50 mph on straight roads and slight bends. It controls the braking of individual wheels to help you keep the car on course without having to put so much effort into the steering.
- Hill start assist prevents your car from rolling backwards when moving off on a hill. When you move your foot from the brake pedal to the accelerator pedal, it'll maintain the brake pressure so you don't accidentally roll back.
- Lane Keeping Assist helps prevent you from accidentally leaving your lane. A camera scans the road markings to detect the differences in contrast between the road surface and the lines. If you start to drift, it alerts you with a visual warning and a sound.
- ESP - Electronic Stability Programme - this system compares the Smart Car's behaviour to your driving inputs. If necessary, it can brake individual wheels and adjust torque to stabilise the car.
Smart Car #1 insurance
So, where do Smart Car stand on electric cars?
Here's the lowdown:
The all-electric Smart Car #1 was launched in the summer of 2023.
- There are four specs to choose from - Pro, Pro +, Premium and BRABUS. The BRABUS has twin motors and the equivalent of 428 hp.
- You could get up to 273 miles from a full charge, and the battery will charge from 10% to 80% in less than 30 minutes (using a 150 kw DC charger).
- All trim levels come in a choice of two tone colour combinations. The Premium and BRABUS also have a 10" head-up display.
So, are you ready to go electric?