SMART Repair Insurance
Keep your car in showroom condition.
Maintain the resale value of your vehicle.
Minor dents, small scratches and scuffs are not only unsightly, but they also have a negative effect on the resale value of a vehicle.
No unexpected costs.
Protects both your insurance premium and no claims bonus.
Left unattended, scratches, dents and chips can get worse over time, SMART Insurance will cover the repair work before it comes more costly.
Repairs completed at a convenient time and location, and are guaranteed for lifetime of ownership.
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.
Covers scratches, scuffs and dents.
Scratches, scuffs and dents up to 300mm in length and 3mm deep on all painted panels (excluding roof).
Unlimited claims up to £3,000.
Unlimited number of claims can be made up to £3,000, with £1,000 limit per claim.
Bodyshop contribution to servere damage.
Where damage can not be repaired using ‘SMART techniques’, the customer will receive £150 towards a bodyshop repair.
Lifetime guarantee.
All repairs completed are guaranteed for the lifetime ownership of the vehicle.
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
- The cost of a SMART repair where minor cosmetic damage occurs to the bodywork of your vehicle as a result of day-today motoring.
- Damage to the roof, bonnet, boot lid/tailgate or any horizontal surface is limited to stone chip damage only.
- The cost of a SMART repair for minor cosmetic damage is limited to £1,000 per claim including VAT and £3,000 including VAT in total.
- A contribution of up to £150 including VAT towards a bodyshop repair, where the minor cosmetic damage is not repairable using a SMART Repair technique.
- The interest of a family member if this insurance is transferred to them with ownership of the vehicle.
- Minor cosmetic damage includes the following:-
- a minor stone chip, up to 3mm in diameter and 1.5mm in depth
- a minor dent to a metal body panel, not exceeding 30cm in diameter.
- a minor scratch, up to 1.5mm in depth and not exceeding 30cm in length.
- a scuffed bumper, which is less than 30cm in diameter and less than 3mm in depth.
- a scratched or scuffed wing mirror cover/casing, where the damage is less than 30cm in diameter and less than 3mm in depth.
- Any minor cosmetic damage which is not reported within thirty (30) days of the incident date.
- Damage that is not repairable by a SMART repair, is beyond minor cosmetic damage or because of the extent or number of areas of damage, a bodyshop repair is required.
- Where the body panel, bumper or wing mirror is ripped, perforated, cracked or torn or there is damage to the structure and/or alignment.
- Damage to the locks or handles, beading, mouldings, lamps, window panels, tyres, wheels or wheel trims.
- Any amount in excess of the maximum limits shown in the policy schedule or terms and conditions.
- Any damage that is the subject of a motor insurance claim.
- Any claim relating to a road traffic accident or as a result of fire, theft or flood.
- Any damage that has been accumulated over an extended period, which is deemed to be wear and tear.
- Any damage showing evidence of rust or corrosion.
- For consequential damage of any kind or any consequential loss, injury or damage.
- Cover only applies where the damage is a result of day-to-day motoring.
- You must be eighteen (18) years of age or over and resident in the United Kingdom, Channel Islands or the Isle of Man.
- You must have purchased the policy from the supplying dealer no later than thirty (30) days after purchasing the vehicle.
- The vehicle must not be an emergency vehicle, commercial vehicle, taxi, courier vehicle, bus, minibus, coach, truck, motor home, trailer, heavy goods vehicle, licenced private hire vehicle, daily rental vehicle or breakdown and recovery vehicle.
- The vehicle must not be used for hire and reward, driving school tuition, chauffeuring, road racing, track days (timed or untimed), rallying, pace-making, speed testing or any other competitive event.
- Cover is provided for accidental and malicious damage which occurs within the UK, Isle of Man or Channel Islands, or within the countries of the European Economic Area for a period of up to sixty (60) days for any one single trip.
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