• How SMART Works

Introduction: What is SMART Insurance?

The SMART Insurance Policy provides small accidental damage cover for a car using a body repair system that will help maintain a vehicle in showroom condition, without compromising a customer’s no-claims bonus.

SMART Insurance will ensure a vehicle remains in excellent condition – free from chips, minor dents and light scratches which occur during every day motoring.

This niche product can be sold as a stand alone product or embedded into a current F&I product sold today.  Consumer and distributor benefits alike are highly perceived and  recognised.
 

Benefit the SMART Way

Customers can benefit the SMART way by:

  • Safeguarding their no-claims bonus
  • Keeping their vehicle in showroom condition
  • Protecting the resale value of their car
  • Access to a convenient and professional mobile repair network
  • Take advantage of no premium increases following a claim
  • Liaise with our experienced and friendly claims team

For those unexpected accidents the SMART repair system uses the latest technology, enabling minor repairs to be completed quickly and effectively at your customer’s convenience.

Policy Exclusions

There will be no cover under this policy for:

  • Minor damage caused by hail or rust
  • Minor damage to stickers or decals
  • Cracked or dented bumpers
  • Minor damage to beading or moulding
  • Damage of any kind to wheels and wheel rims
  • Minor damage that involves accessories, door mouldings, window mouldings, lights of any sort or any window panel.

Should there be a change in ownership of the vehicle the policy is not transferable

Please see the full policy terms and conditions for a complete list of exclusions.

What SMART covers

Smart Insurance covers a car against: 

  • Chips up to 1.5cm in diameter
  • A scratch up to 15cm in length, 3mm in depth and sits within 1 body panel
  • A dent up to 15cm in diameter, 3mm in depth, sits within 1 body panel and where the panel has not been ripped, perforated or torn
  • A scuffed bumper up to 15 cm in length, 3mm in depth and sits within 1 body panel

 

 

"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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