SMART INSURANCE

Policy Information and Terms & Conditions.

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Policy Terms & Conditions

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Insurance Product Information

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Initial Disclosure Document

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You can open, download or print the policy Insurance Product Information Document (IPID) and Terms and Conditions booklet by clicking on the pdf document icon above. Our Initial Disclosure Document is also available to view.

Significant Exclusions

This policy does not cover….

1. Any claim within the first 14 days of the policy,

2. The first £10 of each claim. This is payable by you as an excess,

3. More than 3 claims in any 12 month period,

4. Paint chips, paint scuffs and scratches which are more than 150 mm in diameter and 3mm in depth,

5. Dents which exceed 150 mm in diameter,

6. Any repair that extends over more than a single external panel,

7. Any repair that in the opinion of the approved repairer cannot be repaired using a smart repair and requires a bodyshop repair,

8. Damage to roofs, bonnets and boot tops, headlamps, lights, glass and wheels,

9. Vehicles that have non-standard paint finishes including but not limited to self-healing paint, chrome illusion paint, two tone paint or matte finishes,

10. Damage caused by a road traffic accident, wear and tear, hail, corrosion, pitting or paintwork discolouration,

11. Vehicles that are not listed in Glasses Guide,

12. Vehicles that have not been purchased from a main, franchised dealer,

13. The cost of damage to or re-application of paint protection film, liquid, wax or sealant,

14. Pre-existing damage,

15. Damage reported after 14 days of discovery.

Please be aware;

1. Policies must be purchased within 30 days of buying the vehicle from a franchised dealer,

2. Policies are available for 1 to 3 year periods of cover and they are not renewable or extendable - so please consider the period of cover carefully,

3. Policies cannot be transferred to another person or vehicle.

The above list is not exhaustive. Please refer to the policy Terms and Conditions document for more details on policy limitations and exclusions. If you have any questions regarding the policies we offer, please feel free to contact us, click here to contact us.

* 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.