Need to make a claim? Call 0800 077 8713

SMART insurance

Minor damage insurance to protect your car against small dents, chips, scratches and scuffs.

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What is SMART insurance?

Little bumps, scrapes and dents can happen. With SMART insurance, you can get your car back to showroom condition, without putting a dent in your no-claims bonus.

And with up to £3000 worth of repairs covered over the term of the policy, it’s definitely a SMART choice.

How does it work?

Make a claim

Make a claim over the phone or using the app, providing details of the damage.

Repair time

Skilled technicians will arrive at the agreed time and location to carry out the repair work.

Drive away as good as new

When it’s finished, the technician will show you the repair and explain it. And that’s it!

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Our partner

Arnold Clark has partnered with AutoProtect Group to deliver their market-leading SMART insurance. The repairs are carried out to the highest standard by Shine, part of the AutoProtect Group. They hold the prestigious BSI Kitemark for Vehicle Damage Repair and, as it’s a mobile service, cars can be repaired at a location to suit you.


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How do I make a claim?

You can make a claim by downloading the app here, or by giving us a call on 0800 077 8713.

How many claims can I make?

You have an aggregate claim limit of £3000 throughout the term of your policy.

Is there an individual claim limit?

Yes. An individual claim cannot exceed £550.

Is there an excess to pay?

No. There is zero excess to pay on this policy.

Will my no-claims bonus be affected if I claim?

Your no-claims bonus will not be affected. SMART cover is separate from your motor insurance policy.

Are the repairs guaranteed?

Yes. All repairs are manufacturer-approved and guaranteed for the lifetime of the vehicle while it’s in your possession.

Can I cancel my SMART cover policy?

You can cancel your policy within the first 14 days and receive a full refund, provided you’ve not made a claim.

If you cancel after the first 14 days without making a claim, you’ll be entitled to a pro-rata refund. Refunds are subject to a £29.99 administration fee.

What’s not covered in my SMART cover policy?

Damage of any kind to wheels, rims and tyres. Damage to beading, moulding, lights or decals.

Any panel that is ripped, torn, holed or perforated. Any damage that occurred before the policy start date.

Any damage to the horizontal lying panels of the vehicle (except stone chips).

Can I transfer my SMART cover policy?

Yes. The remaining term of your policy can be transferred to another vehicle. Transfers are subject to a £29.99 administration fee.

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for your quote

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