SMART Repair Insurance

Keep your car in showroom condition.

Unlimited claims up to £3,000 for 3 years. SMART Insurance will cover the repair costs of minor dents, small scratches & scuffs for up to three years, protecting your motor insurance premium & no claims bonus.

Want to know more about what Smart Repair Insurance is?

Watch this handy video to learn everything you need to know.

Damage to your vehicle, like scuffs, scratches, and dents, can happen even when we're being careful during our everyday driving. While these marks can be unsightly and inconvenient—and sometimes even costly—they're often just a part of life on the road. The good news is that while we can’t always prevent this kind of damage, we can certainly help you avoid the repair costs and keep your car looking good and maintaining its value.

Getting your repairs sorted is super quick and easy! With Smart Insurance, you won't have to dip into your main motor insurance, which means your no-claims bonus stays intact. Just reach out to our dedicated 24/7 claims line, and let us know about the damage.

What's covered?

SMART Insurance covers unlimited claims up to £3,000 for 3 years.

SMART Repair Insurance Costs

Covers you for up to 3 years - unlimited claims can be made up to £3,000.

The below demonstrates how we work out the insurance cost and the maximum amount of benefit you are entailed to. For example, if your tyres are £100 to replace - the policy covers up to 5 tyre replacements (£500) and 10 alloy repairs (approx £150 each) - which would cover you for up to £2,000.

Number of claims	Unlimited
Limit per Claim	£1,000
Total Claim Limit	£3,000
Bodyshop contribution	£150
Retail Price	£390

Significant Exclusions: As well as the features and benefits of this policy, it’s important that we make you aware of the product exclusions. Your vehicle must not be an emergency vehicle, commercial vehicle, taxi, licenced private hire vehicle, daily rental vehicle or breakdown and recovery vehicle. Damage to the roof, bonnet, boot lid/tailgate or any horizontal surface is limited to stone chip damage only. Any damage that has been accumulated over an extended period, which is deemed to be wear and tear.

Frequently asked questions

What is insured?

What is not insured?

Are there any restrictions on cover?

Where am I covered?