What is Minor Damage Repair Cover?
Minor Damage Repair Cover protects you against the cost of repairing minor bumps and scratches on your car that can occur during everyday driving. A one off-fee (you can also pay monthly) covers you for two or three years, allowing you to claim for multiple repairs during that time without affecting the no claims bonus on your vehicle insurance policy. Other benefits include:
- Helps keep your car in pristine condition
- Protects the resale value of your car
- Repairs carried out by an approved, qualified repairer
How does it work?
If your car picks up a minor scratch, dent or chip on its paintwork up to 300mm in length and 3mm in depth, we will pick up the cost of having it repaired by a qualified SMART repairer for the duration of your policy.
Simply contact the phone number on your policy documents, arrange a convenient time for the repair to take place and we'll take care of the rest. Most repairs can be completed within 1-2 hours.
Yes, bumper scuffs are covered providing that they are below 300mm in diameter and 3mm in depth.
No, repairs to windows, the windscreen and vehicle lights are not covered by Minor Damage Repair Cover. For a full list of items that aren't covered please speak to your dealer.
No, you still need to obtain car or van insurance in accordance with the law. A Minor Damage Repair Cover policy will not affect your vehicle insurance policy.