Stop wasting money on separate covers for minor cosmetic damage. With SMARTCare Cosmetic Insurance, get 3-in-1 protection for your vehicle’s bodywork, alloy wheels, and interior trim.
Other providers will offer separate alloy wheel and bodywork cosmetic cover. Save money with Total Loss GAP SMARTCare 3-in-1 cover by combining alloy wheel and bodywork cover AND get the added bonus of interior trim damage cover too. More cover, less cost to you!
Tired of long sign-up processes? Getting insurance with us couldn’t be easier.
Let us know your wheel size and some details about your car
A simple choice of 1,2 or 3 years
We need clear images of your wheels, bodywork and interior within 14 days to validate your cover
Available at any point in your ownership, with no waiting period, you can enjoy combined bodywork, alloy, and interior trim coverage as part of your policy and make up to 5 claims a year, keeping you covered throughout the year.
Mix and match a maximum of 5 claims per year between alloys, bodywork and interior trim. Available for eligible new and used vehicles at any point of your ownership.
The cost of minor cosmetic damage may not be covered by your motor insurance because of the excess contribution you may have to pay. SMARTCare helps cover that gap and protect the value of your vehicle.
Report the damage within 30 days of it occurring
Contact the claims administrator and provide details of the damage
Submit photos if requested
Receive authorisation before any repair work starts
An approved repairer will complete the repair,
or a contribution may be considered where appropriate
SMARTCare Cosmetic Insurance is underwritten by Helvetia Global Solutions Ltd, an ‘A’-rated insurer, and administered by Spectrum Insurance Services Limited. You can rest easy knowing your policy is regulated and protected by the FSCS.
