Providing repairs for minor chips, dents and scratches

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We have 1000's of happy customers, why should you use us? Here are just a few reasons.

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“Sometimes referred to as SMART Insurance, this cover will pay for small cosmetic repairs such as stone chips, scratches, small dents, scrapes and scuffs and allows up to 3 claims per 12 month period. Unlike your motor insurance, making a claim on this policy will not affect your No Claims Bonus. This insurance is only available for vehicles supplied by a franchised motor dealer (eg Ford, BMW, Kia) or leasing company..

"Having woke this morning and checked the bank account it is a huge relief to confirm we are in funds to the tune of £26,441.69. I cannot thank you all enough for this back to invoice GAP payment......I can confirm that your policy has indeed lived up to the claimed benefit `back to invoice’ and for that - I thank you"

Mr A Preen, February 2019

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Can I buy it?

Protect your car’s condition, your No Claims Bonus and your insurance claim record!

Scratch and Dent Insurance is sometimes referred to as SMART Insurance. It is an insurance product designed to help maintain the appearance and value of your vehicle without the need to make claims on your motor insurance.

Claiming minor cosmetic repairs on your motor insurance is simply not viable. Doing so would impact on your insurance claim record, cost you a substantial excess and increase your future premiums. No matter how carefully you drive or how considerately you park – all vehicles are likely to suffer scratches, dents and chips. If left unattended, this type of small damage can quickly deteriorate and cause corrosion and paint departure.

Why not consider Scratch and Dent Insurance?

This cover provides up to 3 claims in any 12 month period of the policy and will meet the cost of minor cosmetic repairs to your vehicle bodywork. There is no monetary limit to each claim or total value of claims. Repairs are carried out at your home or place of work and all repairs are covered by a 2-year guarantee. The insurer's current approved repairer is an organisation called ‘Revive’, designated as an Approved Centre by the Institute of the Motor Industry (IMI) Awards. You can learn more about ‘Revive’ by visiting their web site at

Minor cosmetic damage is common and can be expensive to repair.

This insurance will pay for accidental minor cosmetic damage repairs such as;

  • Dents not exceeding 150mm in diameter on a single side, front and rear panel,

  • Scratches and scuffs not exceeding 150mm in diameter and 3mm in depth on a single panel,

  • Stone chips each not exceeding 150mm in diameter and 3mm in depth,

The insurer limits the size of damage to ensure repairs are unlikely to be detected by casual examination by an untrained eye. Damage larger than the areas stated above have been proven to be better and more satisfactorily repaired by a fully equipped body shop and as such are not covered by this policy. Up to 3 claims in any 12 month period of the policy are covered by this insurance.

A £10 per claim policy excess will apply.

For more detailed information on this cover and its limitations and exclusions, please refer to the Policy Terms and Conditions.

A low cost Scratch and Dent Insurance product to protect your vehicle.

  • Pays for repairs to Scratches, Dents, Chips and Scuffs to your vehicle bodywork,

  • Work carried out by motor industry award-winning organisation,

  • No single or aggregate claim limit,

  • Covers dents not exceeding 150mm in diameter on a single panel,

  • Covers scratches and scuffs not exceeding 150mm in diameter and 3mm in depth on a single panel,

  • Covers stone chips each not exceeding 150mm in diameter and 3mm in depth,

  • Covers incidents in mainland Great Britain and for up to 30 days in European Union countries,

  • Repairs carried out at your home or place of work,

  • Up to 3 claims in any 12 month period of the policy,

  • Minimal excess of £10 per claim,

  • Repairs covered by a 2 year guarantee,

  • 1, 2, and 3 year periods of cover available. Please be aware this cover is not extendable or renewable,

  • Free policy amendments. No charge for changing address or registration number,

  • 100% premium refund if policy is cancelled within 30 day cooling off period, provided you have not made a claim and;

  • Pro rata refund of unused premium less a £20 cancellation fee after the 30 day cooling off period – provided you have not made a claim.

The above list represents some of the key benefit features, please refer to the full policy terms and conditions for greater detail. Always read the Policy Terms and Conditions before buying anywhere!

Warning: Scratch and Dent Insurance is not transferable to another owner, another vehicle, or renewable upon expiry or extendable midterm. Always choose the correct period of cover for your requirements.

* The policy Terms & Conditions and features apply to policies purchased from 1st October 2018 for terms and features on policies purchased before the 1st October 2018 please refer to your original policy documents issued.

You can buy this cover if…

  • Your vehicle is under 7 years of age and less than 70,000 miles at the start of cover,

  • You purchased your vehicle from a franchised motor dealer, either directly or via an internet broker, or leasing company.

  • Cover is purchased within 30 days of vehicle delivery,

  • You reside in the United Kingdom including Isle of Man or Channel Islands,

  • Your vehicle invoice price did not exceed £125,000 at time of purchase,

  • Your vehicle is listed in the Glass’s Guide and principally used in the UK,

  • You are not buying this policy to make a claim on pre-existing damage,

  • You have read the eligibility and policy Terms and Conditions.

You can’t buy this cover if…

  • Your vehicle is used for competition, road racing, pace making or off road use,

  • Your vehicle is used as an emergency service vehicle, heavy goods vehicle or mini-buses over 19 seats,

  • Your vehicle has been modified from the Manufacturer’s specification without your motor insurers agreement

  • You have purchased, financed or leased a commercial vehicle or van with a carrying capacity over 1750kg,

  • The following vehicles are not covered; Taxi’s, Driving School Tuition Vehicles, Minicabs, any vehicle not listed in Glasses Guide and kit cars.

  • You wish to cover roof, bonnet and boot panels.

Warning: The above is a summary. Before purchasing please read the Terms and Conditions of this policy carefully to ensure it meets your needs and you meet it’s eligibility criteria.

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