Smart Insurance

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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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Read our frequently asked questions below

The following questions and answers relate to the terms and conditions of policies available today. If you purchased a policy prior to today, please refer to the policy terms and conditions or call us during business hours.


Why buy from car2cover?

Thousands of customers every year have been choosing car2cover to provide them with Gap, Tyre, Alloy Wheel and Scratch & Dent Insurance since 2007.

We are authorised and regulated by the Financial Conduct Authority and all policies are covered under the Financial Services Compensation Scheme. We have over 40 years experience and choose our insurer’s carefully with policies designed to work in the way we know they should and not designed simply with price compromises in mind.

All insurance products on this website are underwritten by Great Lakes Reinsurance SE. Great Lakes Reinsurance SE is a fully owned subsidiary of Munich RE Group and is a specialist provider of insurance services. Great Lakes Reinsurance SE enjoys the same strong ‘A’ rating and financial strength as Munich RE Group.

We avoid unrated small overseas insurers because a number have become bankrupt in recent years. According to the Financial Services Compensation Scheme website, five have failed since 2016 as shown on this list published on


Why are car2cover so much cheaper than my dealer?

Your motor dealer’s Scratch & Dent Insurance policy is normally offered at a much higher premium than you will find at

The are many reasons for this. The motor manufacturer and motor dealer include a profit, the salesman is paid commission and motor dealers can only sell a limited number of policies due to its limited number of customers.

As an online business, we sell ‘substantially’ more to a national audience – and high volumes of business results in lower premiums. To help boost vehicle sales, motor dealers offer discounts and other financial incentives. To help recover the cost of those incentives, they charge excessively for Gap Insurance and other products such as paint and upholstery treatments, Tyre Insurance, Alloy Wheel Insurance and Scratch and Dent Insurance.

Play smart, take the discount and buy your insurance products cheaper elsewhere!


What cancellation options do I have?

All insurances arranged by our business are covered by a 30 day money back guarantee.

Providing a claim has not been submitted during this period, you may cancel your insurance within 30 days of policy purchase and receive a full refund.

Beyond the initial 30 day cooling off period, our policies provide the option to cancel cover with either a ‘credit’ (no cancellation fee) or ‘refund’ (after cancellation fee is deducted) - providing no claims have been made or are pending. Please refer to the policy terms for full details.


Are Scratch & Dent Insurance policies renewable?

No. Scratch & Dent Insurances are not renewable or extendable when the policy expires.

Because Scratch and Dent Insurance can only be purchased within 30 days of delivery, cover cannot be purchased again on expiry.

We offer 1 to 3 year periods of cover and therefore it is important to ensure that you choose the correct period when you purchase your policy.


What type of damage does the Scratch & Dent policy cover?

The policy pays for repairs to scratches, dents, chips and scuffs to your vehicle bodywork. The area of damage must not exceed 150mm in diameter and 3mm in depth on a single side panel. Roofs, bonnets and boot panels are excluded from cover - please refer to the policy documents for full details.


Is there an excess to pay?

Yes, you are required to pay the first £10 of each claim.


Is there a maximum claim limit on the Scratch & Dent Insurance policy?

No, there is no single or aggregate claim limit. However the policy has limitations to the size and area of damage that will be covered and will not cover bodyshop repairs. Please refer to the Terms & Conditions or Insurance Product Information Document (IPID) for full details.


Am I covered whilst driving abroad?

The Scratch & Dent Insurance policy will cover you in the United Kingdom including Isle of Man and Channel Islands, and a maximum of 30 days in the European Union during any twelve month period.


Are there any vehicles you cannot cover?

Our policies will cover most vehicles that have been purchased from a Franchised dealer within the last 30 days, providing they are less than 7 years old with less than 70,000 miles (at the point of purchasing the policy).

The vehicle must be listed in Glass's Guide and have a purchase price below £125,000.00.

Your vehicle must have a standard paint finish, which is not self-healing, chrome illusion, two- tone, matte finish, or vinyl wrap. We cannot provide cover for vehicles that are used for Hire & Reward (taxi, couriers, cheuffeurs etc), driving schools, or emergency service vehicles, kit cars, invalid carriages, motorhomes, commercial vehicles more than 3500kg gross weight, American/Canadian/Australian vehicles (unless built for the UK market), mini buses with over 19 seats, used for road racing/rallying or any other competitive event and vehicles owned by a business formed for the purpose of selling or servicing motor vehicles (motor trade policies).


How do I make a claim?

You must follow the claims procedure outlined in your Terms and Conditions document.

You will be required to email or send images of the damage to enable the claims team to arrange an appropriately skilled technician to attend to your repair.

Claim(s) must be reported to the claims administrator with 14 days of the damage occurring. Where multiple repairs are undertaken by the approved repairer, these will be treated as multiple claims under the policy, but shall only be subject to a single excess.


Who is the approved repairer?

Repairs are carried out at your home or place of work and all repairs are covered by a 2 year guarantee.

The insurers 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.