Skip to the content

Car leasing FAQs

Insurance, accidents and breakdowns

Call 0344 472 1081 and press 2 for the breakdown team. If your breakdown cover has lapsed, then you can arrange for roadside support and vehicle recovery directly.  

Yes, if your car breaks down and needs repairs, we'll try to place your car with an approved repairer who'll be able to provide you with a courtesy car. This is dependent on availability.   

The car you lease is comprehensively insured as part of your monthly fee so you don’t have to worry about picking the appropriate level of cover for you.  

If you have an accident, any damage is fully paid for. The insurance covers the cost of the repair and/or any replacement parts. If any parts are stolen, we’ll replace the part and cover any labour costs.  

Plus, the insurance covers personal belongings in your Smart Lease car if they're lost or damaged due to an accident, fire, theft or attempted theft. 

You’re also able to claim for any damage to your windscreen. Windscreen repairs are free of charge. There's a £100 administration fee for replacement windscreens.  

Legal costs of up to £100,000 are also included, along with medical expenses. As is liability to others, the cost of damage to property, or death or injury to another person. 

Nannual renewal is required as your car is covered for the duration of the lease, even if you have an accident you won’t have to pay more. 

You can add a partner or spouse onto your lease for free. Providing this information is given to us, and your partner passes the eligibility checks, they’ll be listed on your certificate of motor insurance. They’ll receive the same level of cover as you.  

If you're involved in an accident, you’ll have to pay £250 as an administration fee. This applies to fire and theft, too. The admin fee for a replacement windscreen is £100. These fees don't change if you have an accident. 

Yes. At the end of your Smart Lease, you can call the team on 0344 472 1081 and they’ll send you a letter confirming you haven’t had an accident, which you can provide to your next insurer as evidence of no claims. 

No. If you need to make a claim, this won't affect your monthly payment. 

No, your comprehensive car insurance is fixed for the full term of your lease.  

As soon as you're in a safe situation, you'll need to report the incident. Call the customer service team on 0344 472 1081 and our Accident Management advisors will help you. 

First, you'll need to report the theft to the police to get a crime report number. Then call us on 0344 472 1081 within 24 hours of the incident. 

To request an authorisation letter, call 0344 472 1081. 

Any questions?

The Smart Lease team is here to help

FAQs    Contact us

Back to top