SMART | FAQ's

Frequently Asked Questions

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What rate of IPT is charged to the customer for SMART insurance?

IPT is charged at 20% on SMART Insurance policies.

Is pre-existing damage covered?

No, the policy will only cover small accidental damage that has occurred after the start date of a policy.

If the customer sells their car, is the policy transferable?

No, when the customer sells or disposes of their vehicle, the policy will be cancelled.

Are spouses covered under this policy?

Yes, the policy provides cover for the car and not the individual.

My customer is a driving instructor, can they purchase SMART insurance?

No, as stated within the Policy Terms and Conditions, the policy does not cover vehicles used for hire or reward, such as Taxi Drivers or Driving Schools.

A customer wishes to purchase a policy for their vehicle. The car will be garaged within the UK, however the customer resides overseas for part of the year, can they purchase a policy?

Yes, as long as the vehicle remains in the UK and is not driven overseas.

If a customer damages another party's vehicle in an incident, can they make a claim for this damage as well?

No, the policy does not allow for any 3rd party's damage whatsoever.

If the customer makes a claim, will it affect their no claim bonus?

No, SMART Insurance is completely separate from a Motor Vehicle Insurance Policy.

When should a customer report a valid claim?

The customer is advised to contact the SMART Claims Department to report their claim within 30 days.

What is the procedure if a customer wants to make a claim?

The customer is advised to contact the SMART Claims Department on the telephone number highlighted within their policy documentation, once they have checked that the damage fits within the Accident Assessment Guide and complies with the policy’s terms and conditions. Photographic evidence may be requested if there is any doubt as to whether the claim is to be authorised.

How are claim repairs carried out?

Once the claim is approved by the SMART Claims Department, the customer will be contacted within 24 hours to arrange a mutually convenient time and location for the repair, which will be undertaken within 21 days.

Is the repair guaranteed?

Yes all repair work is guaranteed for a minimum of 3 years.

If the customer has paint protection, is it reapplied following a repair?

Yes, if the customer informs the Claims Department and Repairer of the brand used then paint protection will be reapplied.

Does SMART insurance cover all types of paint finish?

Yes, our Repairers are able to undertake all types of paint finish including 3 layer colour paint finish used on Lamborghini and some Aston Martin vehicles for example, excluding chrome illusion paint (two tone paint finish).



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	"We are delighted with SMART Insurance as one of our major F and I products, as it has proved itself in delivering real value to our customers. They are happy with the protection it affords them for their car and have been very satisfied with the professional convenient repairs, carried our under the policy. As Mercedes Benz of Hertfordshire, we have been very pleased with the significant growing incremental profit that this innovative product delivers for us. Andrew Gallacher Sales Director"
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Frequently Asked Questions

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