Minor Damage Repair Cover
What is Minor Damage Repair Cover?
Minor Damage Repair Cover protects you against the cost of repairing minor bumps and scratches on your car that can occur during everyday driving. A one-off fee (you can also pay monthly) covers you for two or three years, allowing you to claim for multiple repairs during that time without affecting the no-claims bonus on your vehicle insurance policy. Other benefits include:
Key benefits:
• Helps keep your car in pristine condition
• Protects the resale value of your car
• Repairs carried out by an approved, qualified repairer
• Helps to safeguard your no-claims bonus
How does it work?
If your car picks up a minor scratch, dent or chip on its paintwork, we will pick up the cost of having it repaired by a qualified SMART repairer for the duration of your policy.
Simply contact the phone number on your policy documents, arrange a convenient time for the repair to take place and we'll take care of the rest. Most repairs can be completed within 1-2 hours.
Pricing
| 24 MONTHS COVER | 36 MONTHS COVER |
| £399 | £479 |
Yes, as long as the bodywork is not perforated, bumper scuffs are covered under the policy.
No, repairs to windows, the windscreen and vehicle lights are not covered by Minor Damage Repair Cover. For a full list of items that are not covered please see the policy document.
Yes, you still need to insure your car in accordance with the law. Minor Damage Repair Cover policies are separate and do not affect your vehicle insurance.
For your vehicle to be eligible for cover, it must meet the following criteria:
- You must be the registered keeper and/or owner of your car
- The car must be no older than 10 years old at the start of the policy
- The car must be free from damage when cover is purchased
- The car's bodywork must not have been modified (e.g. aftermarket bodykits, wraps etc.)
Specialist bodywork finishes and vehicles used for commercial purposes are not eligible for Minor Damage Repair Cover. See policy document for a full list of exclusions.
