Inside SmartCitti’s vision for the future
What plans does Smartcitti have next?
31 May 2021
SmartCitti has spent the past five years studying happiness and focusing on ways to make communities happier, safer, and smarter. With the world changing faster than ever before, we’ve got big plans to help you stay ahead of the curve. Find out more.
Coming to a state near you - SmartCitti
We’re in the process of rolling out SmartCitti’s functions across the United States. If certain features or options listed below aren’t available in your state, keep checking back because they should be soon.
The days of buying restrictive insurance coverage from an insurance broker in an office in your local town are long gone.
SmartCitti has modernized the insurance industry, you can get fast, free quotes from a selection of carriers through our website at the touch of a button.
We’ll compare quotes across the market for you from a range of insurance carriers. You can easily compare quotes, prices and see what the different benefits on offer are.
This saves valuable time, and money, leaving you free to focus on doing the things you love.
We’re continually adding new insurance carriers who boast an impressive list of benefits for our clients.
Here’s a look at just some of the recent insurance coverage benefits we have found.
Insurance for high-risk drivers
We do not discriminate against high-risk drivers, after all, accidents can happen to even the most careful drivers. Nobody wants to be kicked when they’re already down. We can find insurance coverage for drivers who may not be able to get quotes elsewhere. This includes people who have multiple recent traffic violations or at-fault accidents.
The insurance discounts and benefits we can offer are more generous than you’ll find at a typical high-risk insurance provider, so drivers may find perks through SmartCitti that they might not be eligible for elsewhere. These include discounts for loyalty, scheduled premium payment and bundling multiple policies.
We also have found enticing options for those who have poor credit or otherwise cannot get a competitive rate from a mainstream insurer. We’ll help find you all the standard auto insurance options you would expect, including liability coverage, collision, comprehensive and medical payments. We can also help find a few options not always available from specialty insurance carriers, such as gap coverage and rental reimbursement.
Examples of the types of benefits we can help find:
- Liability: Bodily injury, property damage
- Uninsured/underinsured motorists
- Medical payments
- Gap coverage (for both loans and leases)
- Towing and roadside assistance
- Rental car reimbursement ($50 per day up to 30 days)
Discounts we’ve found recently include three-year and five-year good-driving discounts, multi plan bundling discounts, and a reduced premium for each year you renew your coverage.
The following things might make you eligible for further discounts:
- Deductible reduced by $100 for each year you renew your insurance policy
- Pay premiums electronically
- Bundle multiple policies (two or more cars, mobile home, motorcycle)
- On-time bill payment
- Having a young driver at college
- Providing your email address
- Switching to our services from another provider
- Good driving record for three years, plus another bonus at five years
Coverage rates can vary by state, driving history and vehicle type, among other factors. Check out our fast free insurance quotes to discover the benefits and rates available to you.
SR-22 car insurance
SR-22 car insurance is often required for high-risk drivers with a history of driving violations. SR-22 filing requirements vary by state, but events that may trigger mandated SR-22 coverage include driving under the influence (DUI), reckless driving, at-fault accidents and driving with a suspended license.
Our approach to SR-22 coverage is unique because we can help find insurance coverage that does not charge extra fees for SR-22 policyholders.
SmartCitti’s US President Mark Chappell says: “SR-22 filings alone will typically cost between $15 and $25, though the exact price can vary by state. Most insurers will also charge higher premiums for drivers required to have SR-22 coverage. However, because SR-22 filers are generally considered high-risk due to a history of driving violations, previous incidents such as a DUI may still raise your premiums. Nevertheless, such drivers are typically penalized less through our insurance carriers than that of other insurers.”
Nonowner car insurance
SmartCitti can help find offers for noowner car insurance to individuals who frequently drive a car they don’t own.
Mark says: “Nonowner car insurance policies cover damage to other vehicles and property that is incurred while driving a car you do not own. These policies do not cover damage to the vehicle you are driving, your personal property or medical expenses.
“While many insurers offer nonowner car insurance, we have carriers who may be worth considering for those required to have SR-22 insurance by a court but do not own a car. We can find carriers who do not charge extra for SR-22 coverage, and we can find SR-22 rates which are among the cheaper options available.”
We can help find you motorcycle insurance policies which include standard coverages, such as personal liability, comprehensive and collision, medical payments, and uninsured/underinsured motorist. Seasonal riders and international visitors to the United States should look to us for flexible payment options.
SmartCitti motorcycle insurance carriers boast a rare benefit: replacement cost coverage of motorcycles three years old or less. Many other insurance companies will have only a one-year cap or set a mileage limit.
Benefits we have found happy motorcyclists:
Motorcycle insurance for visitors to the US
- The entire replacement cost of motorcycles three years old or less, even in the event of a total loss.
- Rental reimbursement of transportation expenses for riders who rely exclusively on their motorcycles.
- Roadside assistance when you need towing or help with a flat tire and other mechanical issues.
- Damage to special equipment you may have installed on your motorcycle
SmartCitti has found flexible payment options and a special Safe Trip Motorcycle Program which may be valuable to infrequent riders and foreign visitors to the U.S.
Some of our carriers allow policyholders to modify their coverage limits at any time, which can be particularly useful for riders who do not take out their motorcycle in the winter.
Additionally, the Safe Trip Motorcycle Program allows international visitors to apply for a temporary motorcycle insurance policy for increments of 30, 60 or 90 days. This coverage can be applied to a motorcycle you own, rent, or buy during your trip.
About SmartCitti home insurance - why peace of mind is priceless
SmartCitti’s all about happier, safer, and smarter solutions. That includes the home insurance coverage we can find you to help protect the people and things you love. We’ll find home insurance for you whether you’re a homeowner or renting.
Here’s an example of some of the benefits we have found homeowners recently:
Homeowners insurance benefits SmartCitti can find for you today
Extended Replacement Cost
If your home were destroyed by a covered peril, this protection gives you coverage up to 50% more than your policy’s dwelling limit. After a loss, extended replacement cost protects homeowners against unforeseen expenses arising from your home’s depreciation over time. Most other insurers charge extra for this coverage.
Home Office and Computer Coverage
These unique coverages can be extremely valuable for anyone with high-end computers or home office equipment. Our insurance coverage option includes offers such as coverage for a computer for up to $10,000—typically homeowners insurance companies provide less than $2,000 in coverage for computers.
Unlike other insurers, our insurance policies can provide up to $100,000 of coverage for repairing and replacing your appliances damaged by electrical or mechanical failure. We consider this an excellent feature, especially if you own expensive appliances, like a washing machine.
Service Line Coverage
Our home insurance policies can cover the costs of repairing any damage to a sewer, water or electric line connecting your property to the street. This kind of protection usually requires the purchase of an extra endorsement on your typical policy.
This coverage offers up to $20,000 of protection against damage caused by water backup from drains or sewers. However, note that water backup coverage does not protect you from flood damage caused by storms or hurricanes. If you live in a flood-prone area, it’s a good idea to purchase flood insurance.
Our home insurance carriers offer several discounts usually found with other homeowners insurance companies—as well as others that are more uncommon. Below, we have highlighted the most notable discounts we have found recently.
Which home insurance discounts might SmartCitti be able to find me?
Purchase a policy at least eight days in advance of your old policy expiring.
Receive this discount if you are a member of a homeowner’s association.
Qualify for a discount when the home you are insuring does not have a mortgage.
Own multiple fire extinguishers and receive a reduced premium.
Get a discount if you have a professionally monitored fire and burglar alarm or water leak detection sensors.
You might be eligible for reduced home insurance rates if you have storm shutters installed on your windows.
What is the future of SmartCitti’s clever technology?
SmartCitti has invested heavily in AI and machine learning over the past five years, and we have set up a research and enterprise department within the company to work with universities. We have been working with the world’s leading scientists to develop, evolve and refine as we move into the future.
One of our missions is to build smart and happy communities through the multiple features available through our app. We intend to do this by providing a platform where people can come together to help each other.
We want to build a connected ecosystem of community that can improve the way we live as a society. We recently released a feature called ‘Happy to Help’. This has helped support local suppliers and businesses, schools, local councils, and parks.
This will remain a core feature of SmartCitti. It is a feature for the community, and this is how we build our shared economy which we define in people terms, rather than financial terms.
The future of happiness with SmartCitti
In the future, we hope that ‘Happy to Help’ will be able to create an ‘Intelligent Macro Economy’ which will be able to identify local public services and business needs. For instance, a local area might need more than one shop to supply a product, an additional traffic light or certain social care services.
We hope we will be able to harness the insights from trending topics and requests within the ‘Happy to Help’ community and use those to build more of what people want and need.
SmartCitti plans to identify patterns and trends that could help to grow and build local communities that are smarter, greener, and more supportive of the Third Economy.
We understand how important it is to build communities for the future, and our community is different from other online communities because we are not on social media.
In the last couple of years, we’ve done a lot of research into understanding and capturing the impact of employee happiness on productivity, growth, and finance.
SmartCitti’s app is fast becoming a superapp meaning you will use it to do multiple tasks instead of switching between lots of different apps. The bottom line is we want to help make you happy, safer, and smarter. We’re adding new features all the time.
Keep checking back for updates.
You can download a digital twin of your real world and have fun while making sure that you and your loved ones are happy, safe, and well-protected. Why not download SmartCitti's app and try it today?