SMART Insurance

(Small to Medium Area Repair Technology)

Scuffs, scratches, and dents to bodywork can all occur as a result of everyday driving – however careful you may be. They’re unsightly, inconvenient and can be costly.

SMART Repair Insurance will cover the cost of having minor damage repaired using ‘SMART’ (Small to Medium Area Repair Technology) techniques, allowing you to avoid visiting a traditional bodyshop, while maintaining appearance and value of your vehicle.

Repairs are conducted by a trained technician at a time and place convenient to you, and can usually be completed in a couple of hours. ​

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Benefits

Helps maintain the appearance and value of your vehicle throughout ownership
Repairs are completed at a time and place that suits you
Helps maintain resale value of your vehicle
No excess to pay
All repairs are guaranteed for the lifetime ownership of the vehicle
Coverage includes windscreen damage caused by everyday road debris
Flexible payment options with zero percent interest on premium funding over thirty six direct debits. ​

Features

Cover for up to 36 months
Covers the cost of minor cosmetic repairs to the bodywork within a 30cm diameter
Unlimited claims up to £1,000 each, to a maximum aggregate of £3,000
£250 bodyshop contribution where damage is within policy parameters but is deemed not SMART repairable
Three contributions toward motor insurance excess on windscreen replacement during the policy term
£150 for any single windscreen replacement and £450 in total, during the policy term
Up to £150 towards a replacement if windscreen cover is not included in motor insurance

0% Payment Option

Spread the cost of your policy over 36 interest-free monthly payments. 

Eligibility

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

Driving a vehicle that is registered and used principally in the United Kingdom, Channel Islands or Isle of Man
Purchasing the policy from the supplying dealer no later than 30 days after the sale of the vehicle.
Not purchasing a vehicle with specialist paintwork

Signicant Exclusions

Damage not reported within 30 days of the incident.
Vehicles that are used for hire and reward, driving schools, speed testing, or pace-making
Damage where the panel is ripped, perforated, cracked, or torn.
Damage accumulated over an extended period, deemed to be wear and tear.

The full list of exclusions can be found on your policy document. A sample can be provided on request. ​​

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Policies are administered by Premia Solutions Limited

Premia Solutions Limited are authorised and regulated by the Financial Conduct Authority (FRN: 310089) Premia Solutions Limited, 3 Corunna Court, Corunna Road, Warwick, CV34 5HQ Registered oce: 20 Fenchurch Street, 5th Floor, London, EC3M 3BY Registered Number: 4088720