SMART Insurance

SMART Insurance

Minor damage can spoil the look and value of your car

Scratches and dents caused by everyday motoring are inevitable, they are not only annoying and unsightly, but have a direct impact on the resale value of your vehicle. Everyone would like to keep their car in showroom condition, but the conditions associated with everyday motoring mean that more than 80% of vehicles will suffer SMART repairable damage*.

Repairs can be costly

With average motor excesses at £350, many people would never consider repairing the cosmetic damage associated with motoring through their standard insurer. Many people also do not realise that the visible damage accrued during the lifetime of your vehicle will reduce the part exchange valuation at trade in by aoround £618 due to "fair wear and tear".

Having SMART Insurance means that you don't need to worry about the costs of repairing this damage and get the most back if you come to trade your car in.


SMART Insurance covers scratches, dents, bumper scuffs and stone chip damage across multiple panels on your vehicle. When you spot damage to your vehicle, you can either call the SMART team, or make a claim via the simple app (available for iOS and Android), to book your repair in.

The repair can be arranged at a time and place to suit you, whether at work or home. The dedicated Shine! Repair service team will visit your appointment in their specially fitted, professional vehicles, and erect a marquee around your vehicle before performing the repeair to manufacturer standards, leaving you to enjoy your vehicle's showroom look once again.

The Detail

  • £3,000 aggregate claim limit
  • £500 per claim
  • £10 excess per claim
  • Cover for chips, light scratches, minor damage, minor dents, minor scuffs and stone chips*
  • Manufacturer approved repairs carried out at your home or work
  • Lifetime guarantee on all repairs

*subject to terms and conditions

Motor Source Group works with InsureThat and SMART Insurance UK to provide you with SMART Insurance. Call 0345 467 8000 to speak to the friendly, expert team about SMART Insurance today. InsureThat is a registered trading style of Nukula Limited and is authorised and regulated by the Financial Conduct Authority.

*Source: Motor Trader Survey