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.

KEY BENEFITS

Make an unlimited number of claims, up to the maximum aggregate claim limit of £3,000.
Up to £1,000 per claim
Helps Protect the future resale value of your car.
Protects the future resale value of your car.
Maintains the appearance of your car.
Professional repair, carried out at a time convenient for you.
All repair work is guaranteed for the life of the vehicle ownership by you, the policy holder.

All amounts quoted are inclusive of VAT.

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, and not extending over more than two body panels.
Minor dent – means a dent to a metal body panel not exceeding 30cm in diameter, where the panel has not been ripped, torn or perforated and the dent is not within 3cm of the edge of the panel.
Scuffed bumper – means damage to the bumper of the vehicle, up to 30cm in diameter and sits within one body panel.
Stone chip – a chip up to 3mm in diameter which will be filled and sealed to prevent corrosion. Please note that stone chip repair damage will remain slightly visible.

WHAT IS NOT COVERED

Damage that is not SMART repairable.
Damage to the bonnet, boot and roof will be subject to stone chip repairs only.
Damage incurred more than 30 days before the claim is reported.
Damage to your alloy wheels.

ARE YOU ELIGIBLE?

You will be eligible for this policy if you are:

The registered keeper or hirer of the vehicle.
The vehicle is used principally in the UK, Ireland, Channel Islands or the Isle of Man.
The vehicle is not a commercial vehicle weighing over 3.5 tonnes, or a vehicle used for hire and reward.

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.

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Company Info

Head office

Reg Office: Johnsons Cars Limited Empire Court Redditch United Kingdom B97 4DA

Reg. Company Number: 3716766

VAT Reg. No. GB 927 5516 06

www.johnsonscars.co.uk

Financial Disclosure

Johnsons Cars Limited is an appointed representative of ITC Compliance Limited 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 as an intermediary.

Johnsons Cars Limited is authorised and regulated by the Financial Conduct Authority (FCA) (our registration number is 688450. Permitted activities include acting as a credit broker not a lender.

As an FCA regulated credit broker we can introduce you to a selected group of lenders / brokers (see below) who may be able to help you finance your purchase. This group of lenders / brokers provides us with a range of products which may be suitable for your purchase. We will explain the key features of those products to you.

Volkswagen Financial Services (UK) Limited, Evolution Funding Limited, Santander Consumer (UK) plc, Honda Finance Europe PLC, CA Auto Finance UK Ltd, Suzuki Financial Services Limited, Volkswagen Financial Services (UK) Limited, Hyundai Capital UK Limited, Stellantis Financial Services Uk Limited, Toyota Financial Services (UK) PLC, FCE Bank Plc,

We are a credit broker and not a lender. We can introduce you to a limited number of lenders and their finance products, we act as their agent for this introduction. We are not an independent financial advisor; we will provide details of products available. We may advise you on the products, subject to your personal circumstances, though you are not obliged to take our advice or recommendation.

We do not charge you a fee for our services. we will typically receive commission from whichever lender we introduce you to (either a fixed fee or a fixed percentage of the amount you borrow).

Unless we consider it to be inappropriate given your personal circumstances, for certain vehicles e.g. New, our approach is to introduce you to the lender who are usually able to offer the best available package for you, taking into account interest rates, residual valuations (where applicable) and other contributions. If they are unable to make you an offer of finance, or the vehicle is not one that we would normally place with them we will introduce you to other lenders on our panel. The lender we introduce you to and available rates will depend upon a number of factors including: the vehicle, your personal circumstances and the likelihood of a lender to accept an application based on information provided.

Lenders typically pay a commission to us for introducing you to them, calculated by reference to the vehicle model or amount you borrow. Different lenders may pay different commissions for such introductions; some lenders may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. But any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement, all of which are set by the lender concerned. If you would like to know the amount of any remuneration we have received from the finance provider, please ask us.

All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over, Guarantees may be required. View our full finance disclosure.