SMART Protect
Keep your car in showroom condition with minor damage insurance.
Minor Damage Protection
SMART Protect is minor damage insurance which covers dents, scratches and chips to your paintwork.
Small knocks and scrapes are a fact of life for every motorist but that doesn’t stop it being a frustrating experience to discover a new scratch/scuff after a visit to the local high street or supermarket car park. Cosmetic damage is rarely worth claiming for on your car insurance but can be frustrating and costly to fix and that’s where minor damage products come in.
The best solution is a dedicated insurance policy to cover you for damage caused by life’s little knocks. Not only will it help to keep your car looking like new but will also help to protect the vehicle value.
Preserve the Look. Protect the Value.
- Maximum Aggregate claim limit of up to £5,000.
- Up to £500 contribution towards a Bodyshop repair if a claim does not qualify for a SMART repair.
- No excess payable.
- Mobile repairs at a location of your choice.
- The damage must fit within the 30cm area of tolerance allowed for a SMART repair.
- Repairs guaranteed for the lifetime of vehicle ownership.
- Cancellable with a pro-rata refund (subject to £35 administration fee).
- Business usage included.
- 36 or 48 month durations available.
- Maintains showroom condition of your vehicle.
- Protects your no-claims bonus.
- Available on both new and used passenger vehicles up to 10 years | 100,000 miles at inception.
This insurance will pay for the cost of repairs as a result of accidental damage for minor dents, light scratches, minor scuffs and chips to the body of your vehicle. Damage to the vehicle body panel must not exceed 30 (thirty) cm in diameter and not extend over more than 2 (two) adjacent body panels. Available on vehicles up to 10 years old and less than 100,000 miles at inception of the policy.
Our nominated repairer will carry out the required repairs to your vehicle at an agreed location in accordance with the terms and conditions of your policy.
If the damage cannot be repaired by our repairer or is outside of the policy criteria, then you can claim up to £500 (including VAT) contribution towards a Bodyshop repair.
You must:
✓ Be the owner and keeper or authorised driver of the vehicle which must be registered and principally used in the United Kingdom Mainland.
What is not insured?
× Ineligible vehicles: There are certain vehicles we can’t cover such as any vehicle with specialist paint finishes, taxis, couriers, commercial or emergency vehicles and vehicles with a gross vehicle mass over 3,500kg. Please refer to the full terms and conditions.
× Any damage to the vehicle which is not minor damage.
× Any damage which was incurred prior to the inception of the policy.
× Any damage where the technician confirms the it is deemed unsafe to carry out the repair due to manufacturer guidelines.
×Any claims made in excess of the total maximum claim limit.
× Any vehicle that has been modified in any way from the manufacturer’s specification.
× Any vehicle used for racing, pace making, speed testing, reliability trials, rallying.
Insurance products sold by Group 1 Automotive dealerships are administered by AutoProtect. Claims on all our products can be made using the AutoProtect App either on a mobile device, or in your browser.
For more information on the App, please click here.
For more information on SMART claims, please click here.
If you decide further down the road that SMART Protect is not for you, the policy can be cancelled for a pro-rata refund, subject to a £35 administration fee providing no claims have been made on the policy.