Smart Repair at Johnsons

Small scratches, scuffs and dents are not only unsightly, but have a negative effect on the value of your car. In the past, cars in need of cosmetic repair would have been sent to a conventional body shop, meaning that you would be without your car while the repair work took place, and potentially facing a large bill. Thankfully, many small scratches, scuffs and dents can be repaired using SMART techniques.

The SMART repair concept was originally created to offer the motor industry a fast, cost-effective solution to assist in the cosmetic repair of used vehicles. 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.

SMART Repair Insurance will pick up these costs for up to 36 months, up to a maximum of £3,000 for bodywork repairs.

​WHAT IS INSURED

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:

The cost of a SMART repair where accidental minor cosmetic damage occurs to the bodywork of your vehicle as a result of day-to-day motoring.

Minor cosmetic damage includes the following:-

• a minor stone chip, up to 3mm in diameter*.
• a minor dent to a metal body panel, not exceeding 30cm in diameter.
• a minor scratch, not exceeding 30cm in length.
• a scuffed bumper, which is less than 30cm in diameter.
• a scratched or scuffed wing mirror cover/casing, where the damage is less than 30cm in diameter.

*Damage to the roof, bonnet, boot lid/tailgate or any horizontal surface is limited to stone chip damage only.

The cost of a SMART repair for minor cosmetic damage is limited to £1,000 per claim including VAT and £3,000 including VAT in total.

A contribution of up to £250 including VAT towards a bodyshop repair, where the minor cosmetic damage falls within the 30cm covered area and is not repairable using a SMART repair technique.​

WHAT IS NOT INSURED

• Any minor cosmetic damage which is not reported within thirty (30) days of the incident date.
• Damage that is not repairable by a SMART repair, is beyond minor cosmetic damage, or because of the extent or number of areas of damage, a bodyshop repair is required.
• Where the body panel, bumper or wing mirror is ripped, perforated, cracked or torn or there is damage to the structure and/or alignment.
• Damage to the roof, locks or handles, beading, mouldings, lamps, window panels, glass, tyres, wheels or wheel trims.
• Damage that has been accumulated over an extended period, which is deemed to be wear and tear, and damage showing evidence of rust, corrosion or hail impact.
• Any claim relating to damage caused by neglect or a deliberate, careless act or omission by you, or the cost of any routine maintenance or adjustments.
• Any damage that is the subject of a motor insurance claim.
• Consequential damage, loss or injury of any kind.

ARE THERE RESTRICTIONS?

You will be eligible for this policy if you are:

• Cover only applies where the damage is a result of day-to-day motoring.
• You must be resident in the United Kingdom, Channel Islands or the Isle of Man.
• You must have purchased the policy from the supplying dealer no later than thirty (30) days after purchasing the vehicle.
• The vehicle must not be an emergency vehicle, commercial vehicle over 3.5 tonnes, taxi, courier vehicle, bus, minibus, coach, truck, motor home, trailer, heavy goods vehicle, licenced private hire vehicle, daily rental vehicle or breakdown and recovery vehicle.
• The vehicle must not be used for commercial or business use. hire and reward, driving school tuition, chauffeuring, road racing. track days (timed or untimed), rallying, pace-making, speed testing or any other competitive event.
• The vehicle must not have a specialist bodywork finish, including self-healing, chrome illusion, matte or textured finish or bodywork wrap

Please ask your dealership for a copy of the policy documentation.

​

​

HOW TO MAKE A CLAIM...

• Check the damaged area to ensure the required repair work falls within the specified guidelines detailed within your policy documentation.
• Contact the claims department on 01926 622 660 within 30 days of the damage occurring.
• Please have your vehicle registration or policy number to hand.
• Premia Solutions will fully explain the claim process to you, and issue you with a claim form to complete and return to us along with pictures of the damaged area.
• On receipt of your fully completed claim form, Premia Solutions 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.