Cosmetic Repair
How to keep your customers car looking like new?
Keep Your Car Looking Like New
Cosmetic Repair Insurance
Drive the car you love without worrying about the cost of everyday damage. Our Cosmetic Repair Insurance — also known as Scratch and Dent or SMART Insurance — protects you against minor dents, stone chips, scratches, and scuffs that can spoil your car’s appearance.
Why Choose Cosmetic Repair Insurance?
Enjoy peace of mind knowing your vehicle will always look its best. Cosmetic repairs can be surprisingly expensive, especially through a main dealer — that’s where we come in.
We provide great-value protection with professional repairs carried out by our authorised specialists, helping to keep your car in showroom condition for less.
What’s Included
Cover for minor dents, chips, scratches, and scuffs
Up to 5 claims per year – that’s as many as 15 repairs over a 3-year policy
No excess to pay on any claim
Convenient mobile repairs carried out by trusted professionals
Easy online purchase and fast approval process
Cover Options
Cover Length Claim Limit Excess Payable Policy Cost
12 Months 5 Claims £0 £134.40
24 Months 10 Claims £0 £201.60
36 Months 15 Claims £0 £302.40
What is covered?
If your vehicle suffers accidental and/or malicious damage to the bodywork of the Insured Vehicle, this Cosmetic Repair Insurance policy will pay for the cost of repairs as follows:
Minor Stone Chip, up to 3 mm in diameter & 1.5mm in depth;
Minor Dent to a metal body panel (excluding bumpers), not exceeding 40cm in diameter and not where the panel has been ripped, perforated, torn, or the area distorted;
Minor Scratch, not exceeding 40cm in length; or a scuffed bumper, not exceeding 40cm in diameter;
Damage from dents and scratches must be no deeper than 3mm.
Scratched or Scuffed wing mirror cover/casing, where the damage does not exceed 40 cm in diameter.
Instant Protection – You will be covered once the 30-day waiting period is over, after you have purchased our Scratch & Dent Insurance.
• In the event of multiple cases of Minor Cosmetic Damage being caused by the same incident, these will be treated as one claim and will be subject to the 40cm diameter area.
• In the event of multiple cases of Minor Cosmetic Damage being caused by multiple incidents, these will be treated as multiple claims.
• Cross-panel damage is covered where the parameters do not exceed 40cm.per panel, and this will result in two claims.
• Any damage across three or more panels will not be covered.
• In the event of Malicious Damage, you must notify the police and obtain a crime reference number.
No Excess - There is no claims excess on this policy if you should need to claim.
Purchase Cover Anytime – Unlike Cosmetic Repair Insurers, you can purchase this policy at any time (not just within 30 days since you purchased the vehicle), and we do not need photographic evidence before your policy can start.
What is not covered
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Vehicles which are used as an emergency vehicle, hire & reward, taxi, dispatch, courier, road racing, rallying, pace making, speed testing, or any other competitive event. We also cannot cover all makes of vehicle – see the excluded vehicle section.
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Any incident or damage leading to a claim that occurred before the start of this policy.
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Any treatments to the roof at all, or any treatments to the bonnet or boot (other than stone chips or light surface scratches). Damage to locks, handles, beading, mouldings, lamps, windows or tyres is also excluded.
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Matte paint, body wraps, and self-healing paint.
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Any incident or damage leading to a claim that occurs within 30 days of the start of this policy.
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We will not cover any amounts for claims that exceed the individual or aggregate claims limits or for claims that are not reported to us prior to any repairs being carried out.
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The following vehicles are EXCLUDED from cover: AC, Aixam, Alpine, Asia, Austin, Brabus, Bristol, Bugatti, Cadillac, Caterham, Chevrolet, Chrysler, Coleman Milne, Corvette, Cosworth, Daewoo, Daihatsu, Daimler, De Tomaso, DFSK, Dodge, Eagle, Farbio, FBS, FSO, Hummer, Invicta, Jensen, Koenigsegg, KTM, Lada, Lancia, LEVC, Ligier, LTI, Lynk & Co, MAHINDRA, Marcos, Marlin, Maybach, MIA, Microcar, Perodua, PGO, PRINDIVILLE, Proton, Reliant, Rover, Saab, San, SAO, Talbot, TD Cars, TVR, Westfield, Yugo or Light Commercial Vehicles (LCV) or vehicles over 3500kg.
Please see the Terms and Conditions for all vehicle eligibility criteria and exclusions.
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This policy can be cancelled within the first 30 days for a full refund, less a £25 administration fee, provided no claims have been made. After 30 days, a pro-rata (per remaining full months of cover) refund, less a £25 administration fee, will be provided if no claims are made.
Eligibility
We aim to make Scratch & Dent Insurance available to as many people as possible, but there are some circumstances we can’t cover. We ask that you read this page carefully to make sure our policy is right for you.
To be eligible for cover, you must meet these eligibility criteria:
Market Value - The vehicle must be less than 7 years old when you purchase cover.
Vehicle Use - The vehicle will not be used for hire, reward, competition, off-road use, and is not owned/leased by a person or business involved in carrying out repairs, sales or servicing of vehicles. For example, a Taxi, a Courier, a mechanic, car salesman.
Prior Damage - The vehicles must be free from damage when you purchase cover.
Vehicle - The vehicle is registered and kept principally in the UK.
Main Benefits
Periods of 30 days, 12, 24 or 36 months.
Underwritten by Acasta European Insurance Company Limited.
10/12 months payment option (0% APR available with a subsidy).
Claim limit of £250 per claim and £3,000 in aggregate.
With a £10 policy excess.
Transferable to a replacement vehicle that meets the eligibility criteria.
Business Use option available (at extra cost)
Significant benefits over our competitors products
Periods of 30 days, 12, 24 or 36 months.
Business Use option • Wider eligibility criteria.
Dents, scratches and Scuffs up to 30 cm’s and not 15 cm’s, like most other products.
Repair / replacement can be linked to Manufacturer / Dealer network.
Transferrable to a replacement vehicle that meets the eligibility criteria.
On-line Policy Registration
Available as dealer Obligor or insurance.