Smart Repair Insurance from Platinum Motor Group
 
 
 


SMART REPAIR INSURANCE  
SMART Repair Insurance

What is Smart Repair?....

SMART stands for Small Motor Accident Repair Technology and is designed to
assist in maintaining the appearance of your vehicle as at the time of purchase
without the need for a full bodyshop repair.

No matter how careful you are, the bodywork on your new car is very likely to
get chipped, dented, scuffed or scratched over time.

With everyday wear and tear like this being hard to avoid, why not protect your
asset with SMART and Alloy Protect Insurance.

Significant Benefits
As the name suggests, SMART Insurance is a policy designed to help you keep your car in perfect condition without, compromising your motor insurance no claims bonus or being subject to motor excess charges. SMART can thus help to maintain your vehicle’s
bodywork during ownership, which may assist when you come to sell it.

How SMART Insurance Works
With just one call to our customer service team, you can validate your claim and arrange for one of our expert repair technicians to come to you at home or work at a time that suits.

Trusted Experts
With new bodywork repair technology, many chips, dents, scuffs or light scratches can be erased on the spot*.

Damage Assessment
SMART Insurance covers scuffs and dents up to 15cm in diameter and light scratches up to 15cm long. Chips of up to 1.5mm are also covered*.

Why choose SMART, AlloyProtect or SMART PLUS Insurance?
The primary reason is to help keep your car looking new. Chips, dents, scuffs and light scratches are covered with SMART Insurance. Alloy Protect is ideal for drivers wishing to cover their Alloy Wheels from scuffs and kerbing.

No Claims Protection
Making a claim does not affect your no claims bonuses accrued by your motor insurance policy, as the policy is separate to your motor insurance.

Just One Call
One call is all it takes to arrange an expert repair technician. No website, no forms to complete, no photographs and no complications.

Nationwide Coverage
We can come to you at home or at work, or at one of our locations at your convenience.

The SMART Repair
SMART repair service uses the latest in minor repair technology.

*Exclusions: This policy does not cover panel replacement, stickers and decals, beading and mouldings, cracked or dented bumpers or their replacement. Repairs will only be undertaken if an invisible result can be achieved using SMART technology, bodyshop repairs are excluded. Third party liability is excluded. Please refer to full terms and conditions.

 

Smart Protect - One Call Minor Damage Repair

Smart Insurance

KEY FEATURES AND BENEFITS

This insurance covers minor repair damage to any of your vehicle’s body panels and scuffed bumpers not exceeding 15cm in diameter, where such panels/bumpers have not been ripped, perforated or torn.

In terms of this cover, minor repair damage means chips (not exceeding 1.5mm in diameter), minor dents and light scratches to your vehicle during the period of insurance caused by day to day motoring.

SMART Insurance provides a small body repair solution, without compromising your no-claims bonus (as your motor insurance policy is separate). The policy helps to ensure your vehicle remains free from chips, minor dents, light scratches and scuffs.

With a SMART Insurance policy, your vehicle is covered for damage caused by everyday motoring. You can claim up to £3,000 in aggregate (including VAT). The total cost of repairs cannot exceed the above amount as this is not considered to be ‘minor damage’.

BENEFIT THE SMART INSURANCE WAY
• 36 months cover
• Safeguard your motor insurance no-claims bonus
• Convenient repairs
• 3 year guarantee on all policy repairs
• Friendly and convenient claims centre
• No motor insurance excesses to pay

THE SMART INSURANCE POLICY COVERS
• Up to £3,000 cover, in aggregate, during the period of insurance against:
- dents not exceeding 15cm in diameter
- scratches not exceeding 15cm in length
- chips not exceeding 1.5mm in diameter
- scuffed bumpers not exceeding 15cm in diameter
• An excess payment of £25 per claim

SMART INSURANCE - KEY TERMS & CONDITIONS
You should take all reasonable steps to maintain the vehicle in an efficient and roadworthy condition. The policy can be cancelled after 14 days, however no refund will be given. If this policy is cancelled within 14 days of purchase or policy start date (whichever the sooner) and no claim has been registered, the Dealer supplying the AutoProtect product will refund the premium paid in full. If a claim has been made on the policy NO refund will be issued. This policy has no surrender value and in all other circumstances, cancellation is without refund.

You will be responsible for:
1. Any repair commenced or carried out without prior authorisation.
2. Costs incurred in the event the reported damage exceeds the template parameters.
3. Any repair work completed by the repairer that falls outside the scope of this policy.

EXCLUSIONS

This product is not available for non UK residents, vehicles exceeding 3500kg gross vehicle mass, vehicles used for business use other than journeys to and from a permanent
place of work, motorcycles, scooters, three wheeled vehicles, quad bikes, caravans or motorhomes, trailers, boats, hire or reward (e.g. taxis, self-drive hire or driving schools), delivery courier fleet users or vehicles used in any sort of rally, speedtesting, racing of any kind or competition or trial.

• Damage reported more than 14 days after discovery.
• Any damage caused by or to stickers or decals.
• Damage caused by third party which caused bodily injury.
• Beading, moulding, locks and handles and any repair involving wheels, accessories, door mouldings, window mouldings, lamps of any sort or any window panel, cracked or dented bumpers.
• Consequential loss.
• Damage incurred prior to inception or damage resulting in replacement of any body panel of vehicle.
• Damage caused to matt finish, custom, individual or pearlescent paintwork.
• For any individual claim made in excess of £3,000 the whole of the claim will be excluded.

Please refer to Policy Document for full terms & conditions.

SMART INSURANCE


Alloy Protect Insurance

In today’s driving conditions, minor cosmetic damage to alloy wheels is almost a certainty. Alloy Protect Insurance covers the cost of cosmetic repairs resulting from accidental damage to alloy wheels caused by kerbing, scuffing, chips and scratches. Upon authorisation of a valid claim, we will arrange, at your convenience, for a specialist repair to be carried out at your home or even your work address of up to £1,000 in aggregate during the period of insurance.

KEY FEATURES AND BENEFITS
• Covers you for the cost of repairs from accidental damage to your alloy wheels
• Maximum claim is £100 per wheel for up to 5 wheels in any one claim
• Up to £1,000 in aggregate during the period of insurance
• No policy excess is payable

ALLOY PROTECT INSURANCE - KEY TERMS & CONDITIONS
You should take all reasonable steps to maintain the alloy wheels on your vehicle. The policy can be cancelled after 14 days, however no refund will be given. If this policy is cancelled within 14 days of purchase or policy start date (whichever the sooner) and no claim has been registered, the Dealer supplying the AutoProtect product will refund the premium paid in full. If a claim has been made on the policy NO refund will be issued. This policy has no surrender value and in all other circumstances, cancellation is without refund.

You will be responsible for:
1. Any repair commenced or carried out without prior authorisation.
2. Costs incurred in the event the reported damage exceeds the claim limits.
3. Any repair work completed by the repairer that falls outside the scope of this policy.

Please refer to Policy Document for full terms & conditions.

EXCLUSIONS
Vehicles over 5 years old or vehicles that have covered more than 100,000 miles
• Vehicles over 3,500kg Gross Vehicle Mass
• Damage caused by a third party whilst carrying out general maintenance including tyre changing, damage present at the commencement of policy and damage which cannot be repaired due to a previous repair
• Wear and tear and neglect
• Any commercial vehicle, any vehicle used for business use (other than to and from a permanent place of work), emergency vehicles, taxi, bus, truck, heavy goods vehicle, motorcycle or any vehicle used for hire and reward, rental, dispatch, road racing, rallying pace making, speed testing or any other competitive event
• Theft of alloy wheels
• Claims made more than 4 working days of the accidental damage occurring
• Alloy Wheels with chrome effect finish, diamond cut or split rim construction or painted with custom, individual colours.

Please refer to Policy Document for full terms & conditions.

ALLOY PROTECT INSURANCE


SMART & ALLOY INSURANCE - KEY TERMS & CONDITIONS
SMART and Alloy Protect Insurance is underwritten by Amtrust Europe Limited, Market Square House, St.James Street, Nottingham NG1 6FG. Auto Protect Ltd (MBI Limited) administer the policy. Insurance policies are subject to status and must be purchased no later than the time of delivery from Platinum,or immediately following a full vehicle damage appraisal conducted by the Platinum Motor Group.The policy can be cancelled after 14 days, however no refund will be given. If this policy is cancelled within 14 days of purchase or policy start date (whichever the sooner) and no claim has been registered, the dealer supplying the Auto Protect product will refund the premium paid in full. If a claim has been made on the policy NO refund will be issued. THIS POLICY HAS NO SURRENDER VALUE AND IN ALL OTHER CIRCUMSTANCES CANCELLATION IS WITHOUT REFUND. This brochure is for promotional purposes only - the full terms and conditions as well as exclusions of cover and claims limits are contained in the policy document. Platinum is a part of Renrod Limited. Renrod Limited is an appointed representative of ITC Compliance Ltd which is authorised and regulated by the Financial Conduct Authority (their registration number is 313486) and which is permitted to advise on and arrange general insurance contracts. Please ask for full terms and conditions.

All information correct at time of publication v4 November 2016.

Terms & Conditions - Smart Repair Insurance

 
 
 
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