Looking for cover?

You can call our UK based team on . We're open Monday to Friday from 8am to 9pm, Saturday from 9am to 6pm, and Sunday from 9am to 5pm (excluding bank holidays).

Existing customer?

For enquiries about an existing Smart Insurance policy, you can call our customer service team on 0800 458 6901. We're open Monday to Friday from 9am to 7pm (excluding bank holidays).

You can also write to us at Smart Insurance, PO Box 6063, Windsor, SL4 9GL or email service@smartinsurance.co.uk

Flexible Trust Form

A Flexible Trust is a legal arrangement which allows the owner of a life insurance policy to define who benefits from the life insurance policy and who they would like to manage it.


Guide to Trusts

Find out more about what Trusts are and how they work in our helpful guide. 

Learn more


Please call 0800 458 6901 or email claims@smartinsurance.co.uk and we will send you a form to be completed, signed, and returned with supporting documentation. We're open Monday to Friday from 9am to 7pm (excluding bank holidays).

As soon as the claim is accepted, we will pay the benefit to the person who is legally entitled to it and we will refund any premiums paid between the date of diagnosis (or death) and the date the claim is paid.

Money Worries?

We understand that when it comes to finances, it can be hard to plan for everything. If you are struggling with paying for your policy, have recently missed a payment or think you might do soon, please get in touch with us. It can happen to anyone so it’s important to reach out as soon as possible so we can discuss the options available to you. After all, we’re here to help. 

Smart Guides

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Protect the life you’ve built, the Smart way

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For new Family Life Insurance policy holders only, once a minimum of 6 successful monthly premiums have been paid and the total premiums paid exceed the face value of the gift card. View full terms and conditions. Restrictions apply, see www.amazon.co.uk/gc-legal.