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SMART Repair Insurance

Worried about scratching your new vehicle? With SMART (Small to Medium Area Repair Technology) Insurance you can keep your new car in showroom condition, with this effective, fast solution to any cosmetic damage.

What is SMART Insurance?

Small scratches, scuffs and dents are not only unsightly, but have a negative effect on the value of your car. In the past, cars in need of cosmetic repair would have been sent to a conventional body shop, meaning that you would be without your car while the repair work took place, and potentially facing a large bill. Thankfully, many small scratches, scuffs and dents can be repaired using SMART techniques.

The SMART repair concept was originally created to offer the motor industry a fast, cost-effective solution to assist in the cosmetic repair of used vehicles. SMART Repair Insurance now lets you take advantage of this new solution to ensure your vehicle looks as good as new by repairing minor bumps and scratches as they happen.

SMART Insurance is provided by our partner Premia Solutions, a trusted insurance product and service provider in the UK automotive industry.

SMART Insurance Costs

Number of ClaimsUnlimited
Limit Per Claim£1,000
Total Claim Limit£3,000
Bodyshop Contribution£150
10 Interest-free DDs Yes

What are the Benefits of SMART Insurance?

  • Keeps you vehicle in showroom condition, maintaining the resale value of your car
  • Protects your 'no claims bonus'
  • All repairs completed are guaranteed for the lifetime ownership of the vehicle
  • Cover for up to 3 years
  • Cover applied to all painted panels (except roof)
  • Unlimited number of claims can be made up to £3,000
  • Covers damage that be repaired using SMART techniques - up to 30cm in diameter
  • Where damage can not be repaired using SMART techniques, the customer will receive £150 towards a body shop repair

What is covered by SMART Insurance?

SCRATCHES means a scratch to the vehicle body panel not exceeding 30cm in length, and not extending over more than 2 body panels.

MINOR DENTS mean a dent to a metal body panel not exceeding 30cm in diameter, where the panel has not been ripped, torn or perforated & the dent is not within 3cm of the edge of the panel.

SCUFFED BUMPERS means damage to the bumper of the vehicle, up to 30cm in diameter and sits within one body panel.

STONE CHIPS up to 3mm in diameter which will be filled and sealed to prevent corrosion. Please note that stone chip repair damage will remain slightly visible.

Are you eligible for SMART Insurance?

You will be eligible for the policy if you are, or will be:

  • Fully comprehensively insured on the vehicle and will be throughout the term of cover.
  • The registered keeper of the vehicle.
  • Using the vehicle principally in the UK, Ireland, Channel Islands or the Isle of Man and for no more than 60 days in member countries of the EU.
  • Not using the vehicle as a taxi, emergency vehicle or for private hire.

Significant Exclusions from SMART Insurance

As well as the features and benefits of SMART Insurance, it's important that we make you aware of the product exclusions. Below are some of the major ones. This should not be used as a substitute for your policy documentation, which details the policy exclusions in full.

  • 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.
  • 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 wear and tear.

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