SMART Insurance | Protect Your Car | Chorley Group
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What is SMART Insurance?

Introducing Minor Damage Repair

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.



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.

Key Benefits of SMART Insurance

  • You can make an unlimited number of claims, up to the maximum aggregate of £3,000.
  • The maximum claim benefit is £1,000.
  • £150 towards the cost of a body shop repair if the damage cannot be repaired using SMART repair techniques, as long as it’s within the policy’s terms and conditions.
  • Protects your no claims bonus and the future resale value of your car.
  • Professional repair, carried out at a time convenient for you.
  • Cover is available for up to 36 months.

How To Make a Claim

It's simple...

  • Contact the Claims department on 01926 622660 with your vehicle registration number or policy number to hand.
  • The Claims Administrator will fully explain the claim process to you, and issue you with a claim form to complete and return to us along with pictures of the damaged area.
  • On receipt of your fully completed claim form, the Claims Administrator will assess your claim based on the policy terms and conditions.
  • Once a claim has been successfully authorised, a date for the SMART repair work to be undertaken will be scheduled at your convenience.

Don't Forget

  • Any work carried out prior to authorisation by the administrator will not be covered and will render the claim invalid. It is important that you follow the claims procedure provided, failure to follow the procedure may result in your claim being rejected.

Some More Information To Consider

  • SMART Insurance is an optional product, and there is no obligation to buy.
  • SMART insurance is available from other providers elsewhere.
  • The list of coverage and exclusions contained in this document is not exhaustive. If you’re unsure whether or not your vehicle is covered, you should speak to your dealer.

Administered by: PREMIA SOLUTIONS LIMITED 3 Corunna Court, Corunna Road, Warwick CV34 5HQ. Tel: 01926 622660 Premia Solutions Ltd is authorised and regulated by the Financial Conduct Authority Ref 310089.


Am I Eligible?

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 purchasing a vehicle weighing over 3.5 tonnes.
  • Not using the vehicle as a taxi, emergency vehicle or for private hire.

Significant Exclusions

As well as the features and benefits of our policies, 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 be wear and tear.