Support 0800 012 1830

Claims 0800 077 8713

Who we are

First founded in South Africa in 1999, SMART introduced minor damage insurance to the UK in 2008.

Today, SMART continues to be the only minor damage insurance provider that directly interfaces with all three aspects of the insurance and claims process – from the administration and underwriting to the technical repairs process.

Our unique, consolidated approach provides each of our partners with a tailored product to suit the specific requirements of their business.

Smart Insurance

We take care of the front-end insurance sales and consumer administration and deal with all aspects of dealer liaison and consumer contact.

We handle claims 24/7, via our website, our free Smartphone app or the telephone.

Red Sands

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Red Sands Insurance Company (Europe) Limited are the underwriters of the policy. They are an independent European insurance group that operates across a number of different market sectors, providing financial stability across the full product spectrum.

  • One of the largest underwriters of any minor damage insurance related product in the UK.
  • Over 1,000,000+ policy holders across all product ranges.
  • Authorised to operate in over 15 EU countries and worldwide.
  • £57,000,000 claims paid in 2015.
  • Solvency Cover Ratio greater than 174%.


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Shine!® are our authorised repairer – a solely owned national network of fully employed, experienced mobile repair technicians.

  • All technicians have a minimum of 5 years body shop experience.
  • Technicians and repair processes BSI and ATA accredited.
  • Comprehensive Shine!® training suite in leading edge repair technology.
  • Full manufacturer approval including Aston Martin, Mercedes-Benz, Lexus, Toyota, Vauxhall, General Motors.
  • Will not invalidate paintwork warranties.
  • Each Shine!® branded Mercedes Vito van is fully equipped, including power, air and water with a full vapour extraction unit.





We have a mobile app!

Make a claim, mark where damages are on your vehicle and upload photos directly to your smartphone!

Our Culture

At SMART we adhere to a set of values that fully embodies both our internal and external working practices:


Courage to be true to ourselves and to each other


Constantly challenge convention


Freedom to make a difference


Find fun in everything we do


Everyone has a seat at the family table


Don’t just do the job, do it well