Based in Three Rivers, Vereeniging, SMART is a vibrant company that has changed the minor repairs industry in South Africa. We were established in 1998, and in that time we have serviced thousands of satisfied customers and have sold over 1.2 million policies.

The company is built around three pillars:

Firstly, to provide our clients with innovative and tailor made policies that gives them peace of mind regarding vehicle maintenance.
Secondly, to provide our clients with one-of-a-kind service that makes communication and claiming simple, transparent and easy.
Thirdly, to ensure prompt payment backed by experienced and established underwriters.

SMART is a revolutionary policy that covers small damage to your vehicle, keeping it in tip-top condition without denting your no-claim bonus – all for a small monthly or discounted annual premium.

SMART designed these innovative products to serve a need not covered by traditional policies. Seeing this lack of cover was the basis for our philosophy: that cover should include more than what is presently available and that clients require value for money policies that solves this problem for them.

With a SMART policy you can be assured that your vehicle is kept in perfect condition - free from chips, minor dents and scratches. Keep your no-claim bonus dent-free on your standard vehicle insurance. Be smart and cover yourself for those little eventualities.


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  • "I congratulate you and your Team for their service excellence. It would also be appreciated if some kind of credit be passed onto the Smart Team for managing the insurance claim for me."