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Due to the unprecedented issues the country is experiencing with coronavirus (COVID-19) we would ask that you only call us if you feel it is absolutely necessary, as our contact centres are experiencing reduced colleague numbers.

Further details of your cover can be found in your policy wording that we originally sent to you.

Supporting those who use their vehicles to help their communities
If you need to use your vehicle for voluntary purposes, supporting others who are impacted by COVID-19, your cover will not be affected and you do not need to tell us.

Supporting our key workers
If you have been defined as a key worker by the UK Government as part of the national response to COVID-19 and need to use your vehicle to get to work including different work locations eg hospitals, your cover will not be affected and you do not need to tell us.

Thank you for your co-operation. As always, our first priority is our colleagues and our customers.

Frequently asked questions regarding COVID-19

If I'm not driving as much due to COVID-19 should I reduce the mileage on my policy?
- No, unless the situation changes and you need to self-isolate for more than 8-12 weeks, you shouldn't need to change your mileage.

Should I declare my vehicle SORN if I am unable to drive for a period of time?
- As per information on you should only make a SORN (Statutory Off Road Notification) when you take a vehicle ‘off the road’ and you want to stop taxing and insuring it, if you cancel your policy you will not be covered for fire, theft or driving until you reinstate your policy.

Your vehicle is off the road if you don’t keep or use it on a public road, for example if it’s in a garage, on a drive or on private land. You can check for further information.

My doctor self-isolated me, am I covered to drive?
- Yes, unless you have received medical advice which states your ability to drive may be affected.

If I have coronavirus can someone else drive my vehicle to get me to hospital?
-Yes, if they're a named driver on your policy or they're covered for driving other vehicles by their own insurance policy. They'll need to check their insurance certificate to see if they have this and they may only be covered on a third party basis. 

If you'd like to add someone as a named driver call us, please be aware we may have extended waiting times.

If I have breakdown cover on my policy, will I still be recovered if I break down?
- Yes, your vehicle will be repaired by the roadside as normal. The mechanic will follow social distancing guidelines to protect both themselves and you. For Recovery, additional and alternative measures are being introduced to facilitate safe transportation while maintaining social distancing and will vary according to circumstances.

Will my claim take longer to be settled and will it take longer to get a pay out?
- We don't expect so, but things are changing daily, so if anything needs to change you'll be contacted by your insurer.

I'm in isolation and I can't pick up/drop off my vehicle for repair?
- Pick up/drop off will be arranged after your isolation period has ended or if you prefer to make alternative arrangements discuss this with your insurer and they will try to accommodate your needs.

Will my medical treatment resulting from my claim still be happening?
- Our suppliers will continue to treat patients if the circumstance falls within government guidelines and is clinically safe and appropriate to do so. However, if you are self-isolating this can be put on hold. 

Contact Us

We’ll be here when you need us

If you’ve a question we haven’t answered on our FAQs page, feel free to get in touch. You’ll find all the numbers, addresses and information you need below. And you’ll find at Only Young Drivers and Only Smart Drivers we’re always more than happy to help.

New Enquiries – 03303 438 880
(Lines open Monday to Friday: 9am – 6pm, Saturday: 9am – 1pm and Sunday: Closed.)

Existing Customers – 03303 438 872
(Lines open Monday to Friday: 9am – 6pm, Saturday: 9am – 1pm and Sunday: Closed.)

If you’re an existing Only Young Drivers or Only Smart Drivers customer and want to discuss your motor insurance policy with one of our team, a couple of very simple selection options will get you through to the right expert member of our team who understands the problems facing young drivers because they are young drivers themselves.

And if you’d prefer to send us an email, you’ll reach us at


What to do in the event of a claim?

  • Make sure you and any passengers in your vehicle are safe.
  • If there are any serious injuries to any party involved, please call the emergency services.
  • Take full details of the other vehicles involved, including name and contact details, vehicle details and insurance details.
  • Take photos of all vehicles involved including the position of them, the damage to the vehicles and if possible capture the registration of the vehicle in these pictures.
  • Obtain details of any witnesses to the incident.
  • Ring us on 0800 9 538 566 as soon as it is safe to do so, to start the claims process.

We are open 24/7 365 days a year, to assist you in the event of a claim and get you back on the road.

Write to us at:

Customer Services,
Only Smart Drivers,
Nile Street,

Email us at: