Carsmetic Insurance

SMART Repair Insurance now lets you take advantage of this new solution to ensure your vehicle looks as good as new by repairing minor bumps and scratches as they happen. Carsmetic insurance will pick up these costs up to a maximum of £3,000 for 36 months. Carsmetic alloy wheel will also cover your alloy wheels, should they be accidentally damaged. Taking advantage of this extended cover option means that you’ll be covered for the full 36 months for £3,000 worth of bodywork repairs, along with up to £1,500 worth of alloy wheel repairs.

What is covered?

SMART Repair Insurance covers you for a sudden and unforeseen event resulting in accidental damage to your vehicle, which can be described as one of the following:

  • Scratches – means a scratch to the vehicle body panel not exceeding 30cm in length
  • Minor Dent – means a dent to a metal body panel not exceeding 30cm in diameter
  • Scuffed Bumper – means damage to the bumper of the vehicle, up to 30cm in diameter
  • Alloy Wheel – Damage to your painted or diamond cut alloy wheels where you choose to take advantage of Carsmetic Alloy Wheel

What is not covered?

  • Damage which is not SMART repairable
  • Damage incurred more than 30 days before the claim is reported
  • Commercial vehicles are not covered by the policy
  • Stone chip damage to the vehicle

Are you eligible?

You will be eligible for the policy if you are:

  • The registered keeper or hirer of the vehicle
  • Your vehicle doesn’t have any kind of bespoke paint finish
  • Your vehicle doesn’t have split rim or chrome wheels
  • Principally use the vehicle in the United Kingdom, member countries of the EU, the Isle of Man and the Channel Islands.
  • Not purchasing a vehicle used for hire and reward

Key Benefits

  • Make an unlimited number of SMART claims, up to the maximum aggregate of £3,000
  • Up to £1,000 per SMART claim
  • Where your claim falls within the terms and conditions of the insurance, but cannot be repaired using SMART repair techniques, the policy will contribute £150 towards the cost of a bodyshop repair
  • Make up to 10 Alloy wheel claims
  • Up to £150 per alloy wheel claim, up to the maximum aggregate of £1,500
  • Cover for 36 months
  • Protects your no claims bonus
  • Protects the future resale value of your car
  • Maintains the appearance of your car
  • Professional repair, carried out at a time convenient for you
  • Should you choose to take advantage of Carsmetic
  • Alloy wheel, and your alloy is damaged beyond repair;we will contribute £150 towards the cost of a replacement wheel*
*Alloys are only covered if the customer is purchasing Carsmetic Insurance with Alloys.

How to make a claim

The easiest way to make a claim is online...

  • Check the damaged area to ensure the required repair work falls within the specified guidelines detailed within your policy documentation.
  • Visit the insurance provider Premia Solutions website by clicking here.
  • Click on the 'Make A Claim' button and fill out the relevant details.
  • Premia Solutions will be in touch to let you know whether or not your claim has been approved.
  • Alternatively, you can contact Premia Solutions on 01926 622 660 and they will talk you through the claims process and provide relevant claims forms. 
  • On receipt of your fully completed claims form, claims administrator will assess your claim based on the policy terms and conditions.
  • Once a claim has been successfully authorised, a date for the repair work to be undertaken will be scheduled at your convenience.

Don't forget 

Any work carried out prior to authorisation by the administrator will not be covered and will render the claim invalid. It is important that you follow the claims procedure provided, failure to follow the procedure may result in your claim being rejected.

You should also know

A SMART Repair is one where the technician can typically complete the repair within two hours and will be to best endeavours. Where a SMART repair cannot be achieved, the vehicle will require a bodyshop repair which is not covered by this insurance policy. All aftermarket repairs vary from that of an automotive factory finish, which is machine sprayed to a degree beyond that achievable by human capability.

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