Smart Cover

Minor scratch, dent and scuff insurance

What is Smart Cover?

This video gives a general description of SMART Cover insurance. For full details of our specific product and to see how our policy may benefit you, please click here.

Why should I be considering Smart with my next car?

Smart Cover is a new and exciting product designed to help keep your vehicle in pristine condition throughout an ownership period of up to three years.

Supermarket car parks, road resurfacing, high kerbs, posts out of eye-line* are just some of the types of damage Smart Cover has helped to repair via a mobile network of fully employed ATA accredited technicians who come to the location of your choice**.

Having Smart Cover on your vehicle has been shown to help increase part exchange valuation, as well as avoiding the cost and inconvenience of having minor damage repaired at a body shop without compromising a motor insurance policies no claim bonus.

*Damage must fall within policy terms and conditions below
**Location must give sufficient room for repair and must be safe for the technician.

What does my Smart policy cover?

Whats Covered

*subject to policy terms and conditions. Stone chips are also covered on horizontal surfaces up to 5mm in width and 1.5mm in depth.

Smart Cover helps protect against damages which are commonly caused by everyday use of your car.

These damages are unsightly, costly and can have a detrimental affect upon the resale value of your car.

With Smart Cover you can rest assured in the knowledge that dents, scratches, and scuffs up to 300mm in length and 3mm in depth on vertical body panels are covered for repair*.

The aggregate claim limit under the terms and conditions of a Smart Cover policy is £3,000.00 and each claim must be within £500.00 in value.

Significant exclusions:

  • Any damage that exceeds the length and depth parameters.
  • Vehicles used for hire or reward, or vehicles being used for any kind of racing or rallying.
  • Vehicles with any kind of bespoke paint finish, self-healing paint, matt finish, body wrap or chrome illusion paint (two tome paint finish).
  • Damage to wheels and trims
  • Any repair required outside mainland UK.

Please refer to the policy terms and conditions for a full list of exclusions.


SMART cover Policy Key Facts
SMART cover Policy Terms and Conditions

How do I make a claim and is it easy to use?

Smart Cover is not your typical insurance policy because making a claim is quick and easy, there are no forms to fill out and claims can be made by phone 0800 012 1830, or 24/7 by email,, or by downloading the smart phone app*.

From making a claim to having a decision normally takes no more than two working days, and lead-time for repairs can be from 7 to 21 days.

The insurer will request photos in support of a claim as this helps to expedite their process and ensures that they can give a quick decision from one of their trained experts.

*Available on Apple and Android Smart phones

Who repairs my car?

Shine! are an approved repairer for Smart Cover and specialise in mobile body shop repairs meaning you can rest assured that your vehicle is in safe hands.

Each Shine! technician is fully mobile and is highly trained to carry out repairs at the location of your choice*. Repairing your car has never been easier!

Each technician is fully employed and accredited by the ATA and Shine! utilise the Spies-Hecker Hi-Tec body shop paint scheme carrying out repairs to BS10125 standards. Each repair is fully manufacturer approved and comes complete with a unique lifetime guarantee.

Shine! are also on Facebook so check them out at for photos, facts and more!

*Location must give sufficient room for repair and must be safe for the technician.

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