Cosmetic Repair Insurance

Our cosmetic insurance, sometimes called Cosmetic Repair, Scratch & Dent or SMART Dent, provides protection for minor dents, stone chips, scratches and scuffs.

Purchase coverWhat's covered?

Cosmetic Repair Insurance For Your Vehicle

Our Cosmetic Repair insurance, sometimes called SMART Dent, provides protection for minor dents, stone chips, scratches and scuffs.

These common scrapes and bumps happen to all of us, with this cover in place it will enable you to have your vehicle repaired by one of our authorised specialists, helping to keep your car in showroom condition.

Cosmetic insurance prices*

Our Cosmetic Repair insurance, sometimes called SMART Dent, provides protection for minor dents, stone chips, scratches and scuffs.

These common scrapes and bumps happen to all of us, with this cover in place it will enable you to have your vehicle repaired by one of our authorised specialists, helping to keep your car in showroom condition.

* prices may vary due to your vehicle eligibility

Business Use

12 Months

£109 inc. IPT
  • £250 Per Repair
  • £3000 Limit

36 Months

£169 inc. IPT
  • £250 Per Repair
  • £3000 Limit

Non-Business Use

12 Months

£109 inc. IPT
  • £250 Per Repair
  • £3000 Limit

36 Months

£169 inc. IPT
  • £250 Per Repair
  • £3000 Limit

What's covered

Below we list what is covered under this insurance, please check this information carefully to make sure that the cover is right for you. If you have any questions, please contact us.

What's not covered

Unfortunately, we can’t cover everything on our Cosmetic Insurance. Below are a list of the general exclusions.

Damage Caused To Your Vehicle

With SaveMoneyHub’s Cosmetic Repair Insurance, the vehicle is covered for damage caused by everyday motoring or business use (if Business Use product purchased).

High Claims Limit

Customers can claim up to £250 per individual repair and £3,000 in aggregate over the period of insurance. Any repairs that exceed £250 are not considered to be minor damage.

Low Excess

There is a £10 excess payable on each individual repair made.

Market Value

Any vehicle where the invoice price / current market value exceeds £100,000.

Age & Weight

Any vehicle that is over 7 years old at policy inception and has a Gross Vehicle Weight of over 3.5 tonnes.

Mileage

Any vehicle over 80,000 miles at policy inception.

Supplying Dealer

Any vehicle not purchased from an approved source within the last 90 days.

Benefits Of Using SaveMoneyHub.com

We aim to make Cosmetic Repair 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. If you have any questions, please don’t hesitate to contact us.

LEVEL OF COVER:

  • Minor Dent means damage to a metal body panel, not exceeding 30cm in diameter and where such panel has not been ripped, perforated or torn.
  • Chip means damage to the painted vehicle not exceeding 1.5mm in diameter.
  • Light Scratch means damage to the vehicle body panel not exceeding 30cm in length and not extended over more than 2 (two) adjacent body panels.
  • Scuff(s) means light scraping of the top surface paint, not penetrating to the base material of the Vehicle and not exceeding 30cm in diameter.

SIGNIFICANT BENEFITS OVER OUR COMPETITORS PRODUCTS

  • Periods of 12, 24 or 36 months.
  • Highly competitive pricing.
  • Business Use option.
  • Wider vehicle eligibility criteria and more flexible cover than competitors.
  • Dents, scratches and Scuffs up to 30cms and not 15cms, like most other products.
  • Direct and simple claims process.
  • Transferable to a replacement vehicle that meets the eligibility criteria.
  • Repairs can be linked to the Manufacturer network.
  • On-line Policy Registration.

ELIGIBILITY CRITERIA

  • The invoice price / current market value of insured vehicle does not exceed £100,000.
  • The insured vehicle is less than 7 years old at inception of the policy and has a maximum Gross Vehicle Weight of 3.5 tonnes.
  • The insured vehicle has covered less than 80,000 miles at inception of the policy.
  • The insured vehicle was purchased from an approved source within the last 90 days.

WHAT OUR CUSTOMERS SAY ABOUT US