diff --git a/src/lib.rs b/src/lib.rs
index cadb5d8..1ea3deb 100644
--- a/src/lib.rs
+++ b/src/lib.rs
@@ -1372,13 +1372,14 @@ impl<A: Array> SmallVec<A> {
             }
             let mut ptr = ptr.as_ptr();
             let len = *len_ptr;
+            if index > len {
+                panic!("index exceeds length");
+            }
+            // SAFETY: add is UB if index > len, but we panicked first
             ptr = ptr.add(index);
             if index < len {
+                // Shift element to the right of `index`.
                 ptr::copy(ptr, ptr.add(1), len - index);
-            } else if index == len {
-                // No elements need shifting.
-            } else {
-                panic!("index exceeds length");
             }
             *len_ptr = len + 1;
             ptr::write(ptr, element);
diff --git a/src/tests.rs b/src/tests.rs
index 1de0a0d..f53100c 100644
--- a/src/tests.rs
+++ b/src/tests.rs
@@ -1049,3 +1049,10 @@ fn max_swap_remove() {
     let mut sv: SmallVec<[i32; 2]> = smallvec![0];
     sv.swap_remove(usize::MAX);
 }
+
+#[test]
+#[should_panic]
+fn test_insert_out_of_bounds() {
+    let mut v: SmallVec<[i32; 4]> = SmallVec::new();
+    v.insert(10, 6);
+}