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Cosmetic Repair Insurance

Say goodbye to stone chips, scratches and dents. Putting our customers above all else for over 110 years. Nothing makes you feel fresh and new like a good shower, and the same is true of your vehicle. So how annoying is it after you’ve given your vehicle a warm bubbly bath to see those pesky scratches standing out like a sore thumb? The rest of your vehicle is shining but you just can’t stop looking at those ugly marks.

That’s why you can protect your vehicle from minor damage with Cosmetic Repair Insurance. Even the smallest bit of damage can result in a pricey, unwanted repair bill. With Cosmetic Repair, minor chips, scuffs and scratches are covered, so you can feel confident cruising with your vehicle in ship-shape.

Cosmetic Repair Insurance provides cosmetic repairs for minor damage to paintwork without affecting your motor insurance policy or excess.

Damages are unavoidable and not only look bad, they can seriously affect the value of your car when you change it next time, costing you hundreds of pounds.



Overview of Cosmetic Repair Insurance

Cosmetic Repair Insurance helps you keep your car in showroom condition and helps protect its value, without having to pay a costly Motor Insurance excess or risk losing your No Claims Discount. This insurance has been given a 5-star rating from Defaqto, the UK’s leading financial services rating agency, so you can be sure it’s quality protection. Keep your vehicle looking showroom ready with this insurance.

  • Cosmetic Repair Insurance provides cosmetic repairs for minor damage to paintwork without affecting your motor insurance policy or excess
  • Cosmetic Repair Insurance offers restoration of minor cosmetic damage including dents, scratches and scuffs (Incl. Bumper) that are up to 30cm in diameter and 3mm in depth. Chips up to 1.5cm in diameter and 3mm in depth will also be fixed
  • You can make up to 18 claims over 3 years of cover
  • Repairs by a nationwide network of approved repairers can be completed at a location of your choice
  • Most repairs completed within 2 hours and the work can be arranged using our simple and easy to use Smartphone APP
  • Horizontal flat surfaces, roofs, bonnets and boot tops are covered. However, this is only where a cosmetic repair / touch in is deemed technically possible by the repairer
  • Cosmetic repair insurance covers the cost of a cosmetic repair to your vehicle in the event of; minor scuffs, dents and or scratches.
  • A huge 18 cosmetic repair claims can be made with no monetary limit during the 3-year policy period and there is no excess to pay on any claim.
  • You may cancel your policy up to 30 days after purchase with a full refund with no payment taken. After 30 days and prior to the last 30 days you may cancel the policy and receive a pro-rata refund of the retail price paid less an administration fee of £20

View the Terms and Conditions and Insurance Product Information Document for more information on what’s covered and not covered.



Benefits of Cosmetic Repair Insurance

Safeguard your no-claims bonus - Protect your no-claims bonus by removing the need to claim against chips, scuffs, minor dents and repairs through your motor insurance policy.

Repair at home or work - Where is convenient for you? We can work around you. Whether you’d like the repairs completed from the comfort of your own home or at your place of work – we can help.

No premium increase after a claim - Making a claim is quick and easy via our app, and there is no premium increase following a claim.


Marshall contribution - If the damage of a cosmetic repair cannot be carried out, this policy will contribute an amount of £250 (inc. VAT) towards the cost of the repair in the event that a minor damage repair is not achievable.



Terms and Conditions:

For full list of exclusions, view the terms and conditions and Insurance Product Information Document.

The policy will not cover:

  • A vehicle owned by a garage or trader
  • Anyone insured under a motor trade insurance policy;
  • A vehicle used for rental (or for any type of hire and reward);
  • A vehicle used by a courier or for use in a driving school;
  • A vehicle used as a taxi.