Car Scratch & Dent Insurance

SMART Protection for Smarter Drivers.

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Scratch and Dent insurance is designed to cover minor body damage to your car. You can choose to pay annually or spread the cost monthly, and your insurer will cover the cost of repair up to the limit of indemnity in the policy wording when you make a valid claim.

Whilst scratches and dents may be covered under some motor insurance policies, the level of compulsory excess means it is highly likely that the policyholder will pick up the cost of repair. A Scratch & Dent policy has been specifically designed to cover the risk of minor body damage to your vehicle's paintwork.

What Does SMART Repair Insurance Cover?

  • Dents — less than 300mm in length and/or diameter, 3mm in depth, and within a maximum of one body panel
  • Paint Scratches — less than 300mm in length and/or diameter, 3mm in depth, and within a maximum of one body panel
  • Paint Chips — less than 300mm in length and/or diameter, 3mm in depth, and within a maximum of one body panel

Policy features

From£15/month
Claims per year3
Excess per repair£15
Dent repairsIncluded
Scratch repairsIncluded
@include('partials.sections.faq', ['faqs' => [ ['q' => 'What is a SMART repair?', 'a' => 'SMART stands for Small, Medium Area Repair Technology — repairing a small area of your vehicle to make it look as good as new, without replacing a whole panel.'], ['q' => 'How does SMART repair work?', 'a' => 'Technicians assess the damage, prepare the area and apply targeted repair methods such as painting, polishing or dent removal — conducted swiftly, often on-site.'], ['q' => 'What aftercare is needed?', 'a' => 'Avoid washing the repaired area for at least 48 hours to let the paint fully cure, and avoid harsh chemicals or abrasive cleaners for the first few weeks.'], ['q' => 'Do I need to be present during the repair?', 'a' => 'No — we can carry out the work while you're at work or out for the day.'], ]]) @include('partials.sections.cta-band') @endsection Car Scratch & Dent Insurance - The SMART Repair People
The SMART Repair People