8. Customer Benefits
The insurer will pay for the cost of repairs resulting from
accidental minor damage.
• Covers minor dents, chips, light scratches and scuffed
bumpers
Keeps the vehicle in the condition that it was purchased
Repairs up to £3000 in aggregate (inc. VAT)
Term – 12, 24 & 36 month single premium or premium funded
Covers cars used for social, domestic pleasure and commuting
to/from work
Convenient mobile repairs
Protects the customer’s No Claims Bonus
Maintains the value of the vehicle for the customer
All work carried out is guaranteed for 3 years
Repairs do not invalidate the vehicle warranty and will help
reduce costs to customer at time of defleet (if car is to be
returned)
11. Exclusions
Bodywork damage
Excludes vehicles used for business use other than journeys to and from a permanent
place of work.
This product is not available for vehicles exceeding 3500kg, excludes motorcycles,
scooters, three wheeled vehicles, quad bikes, caravans or motor homes, trailers, boats
Use of vehicles for hire or reward (e.g. taxis, self‐drive hire or driving schools),
delivery courier fleet users
Vehicles used in any sort of rally, speed‐testing, racing of any kind or
competition or trial
Damage reported more than 14 days after discovery
Any damage caused by or to stickers or decals
Damage caused by third party which caused bodily injury
Beading, moulding, locks and handles and any repair involving accessories, door
mouldings, window mouldings, lamps of any sort or any window panel
Cracked or dented bumpers
This policy does not cover any consequential loss
For any individual claim made in excess of £3,000 the whole of the claim will be
Alloy wheels
Vehicles over 5 years old or vehicles that have covered more than 100,000 miles
Vehicles over 3,500kg Gross Vehicle Mass
Damage caused by a third party whilst carrying out general maintenance including tyre
changing, damage present at the commencement of policy and damage which cannot
be repaired due to a previous repair
Wear and tear and neglect
Any commercial vehicle, any vehicle used for business use (other than to and from a
permanent place of work), emergency vehicles, taxi, bus, truck, heavy goods vehicle,
motorcycle or any vehicle used for hire and reward, rental, dispatch, road racing,
rallying pace making, speed testing or any other competitive event
Theft of alloy wheels
Claims made more than 4 working days of the accidental damage occurring
Alloy wheels with chrome effect finish, diamond cut or split rim construction or
painted with custom, individual colours;
14. Claims Process
Unlimited number of claims
SMART repair ‐ Maximum cumulative claims limit £3,000 inc VAT
Alloy repair – Maximum cumulative claims limit £1,000 inc VAT
Customer £25 excess per successful repair (optional excesses
and excess free policies are available)
Customer checks that the minor damage
on the bodywork fits within the
template (supplied). Alloy wheels should
not be cracked or dented.
Customer calls the claims hotline 0871 384
1168 (within 14 days of the bodywork
damage occurring, 4 days alloy damage)
Authorisation given to our repairer to
contact the customer
Our repairers contact the customer to
make a customer convenient
appointment
15. The Repair Process
The staff
Specialist and experienced staff only
3 month mandatory customer handling training
All staff are fully employed
Internal staff targets centred around quality not
quantity
CSI focussed package
The repair
All repairs guaranteed for 3 years
Only repairs that can be completed to an
invisible repair standard will be acceptable
Contaminated land 2000 Compliant
Compliant to all COSHH regulations
All products conform to ECO regulations
The customer experience
Timed (password protected) appointments
Nationwide service
Fully uniformed personnel
All repair vehicles have corporate identity
A completely retail focused experience