Scratch & Dent Insurance | live

Scratch and Dent (SMART) Insurance

Contributes towards minor cosmetic damage repair costs
Area of damage covered is 30cm (11.8")

Up to total repair costs of £3,000.00 over full period of insurance
Up to £500.00 paid per claim
No excess payable
Up to £250 payable if damage requires bodyshop repair*

*All subject to the terms and conditions of this cover


Terms & Conditions

FCA Authorised

Other Options

'A' Rated Insurer

Scratch and Dent Insurance

Available for

  • New and used cars up to 7 yrs old

  • Max mileage at start of cover 70,000

  • Vehicles supplied franchised motor dealer, broker, or leasing company

  • Vehicles purchased in last 90 days*

* at start of policy

How could this cover protect you?

If you are unfortunate enough to suffer minor cosmetic damage such as stone chips, dents, scratches or scuff to the bodywork of your vehicle - this cover will pay up to £500.00 per repair and will cover up to £3,000.00 of repairs in total period of insurance.

Most vehicles suffer minor cosmetic damage in some form. From a simple stone chip to car park dents and scratches. 

Minor cosmetic damage within an area of a 30cm (11.8") diameter will be repaired by the insurers approved repairer. Repairs are carried out at your home or place of work and you will not be asked to pay an excess. If your damage requires a bodyshop repair, this policy will pay up to £250 toward that cost. Multiple panels are covered providing the size of damage does not exceed 30cm in diameter.

Please be aware you will be required to have access to off-road parking and provide electricity to the repairer.

Your risks without it!

Our car bodywork is constantly at risk of accidental and malicious damage. Damage such as chips, dents, scratches and scuffs.......

Policy features - overview

Policies of this type vary in what they will and will not cover and we believe we have designed one of the most comprehensive in the market......


Is it available to you?

Due to the high risk nature of these policies, cover is not available to everyone. To check if you qualify, please read on below....

We are directly authorised and regulated by the Financial Conduct Authority and have been since 2007

The Financial Conduct Authority is our industry watchdog. We are directly authorised and regulated by them. This means the FCA have access to our service and financial performance to ensure we are meeting their requirements.

All policies arranged by by us are protected by the Financial Services Compensation Scheme.

All insurances arranged by us and our website are covered by the Financial Services Compensation Scheme. To read how this protects you, please read our full policy terms and conditions document.

Take 30 days to review your cover with us. If you change your mind, we'll refund your premium less £15 to cover costs.

We uniquely have over 40 years experience in vehicle sales and specialist supplementary vehicle insurances.  We use that experience and knowledge when we design our insurances for our clients. 


Click2protect UK Limited
trading as
The Officers' Mess
Royston Road

CB22 4QH

email :   

tel : 01438 870615

Call us Monday - Friday 9am - 5.30pm

or Saturday 10am - 2pm



Authorised and Regulated

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