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About minor damage

SMART Insurance is the UK’s leading minor damage insurance solution. Our top quality product keeps vehicles in pristine condition by providing cover against repairing minor damage to cars.

Minor damage insurance provides cover against repairing annoying small dents, chips, scratches and scuffs; damage that can happen through every day use.

Research shows that over 50% of car owners would be likely to purchase minor damage insurance. However, without it nearly 50% would not have minor damage repaired due to costs, thus suffering loss on part exchange; a significant situation for PCP customers.

Selling the right minor damage insurance can be beneficial for dealers. SMART Insurance offers a unique product that will benefit dealers by providing an easy to sell, desirable policy that gives significant additional revenue and profit. And one that can be individually tailored to your business.

SMART for your business. SMART for your customers.

Why Offer SMART Minor Damage Insurance?

For Dealers

  • A significant increase in revenue and profit streams
  • Increased products per customer and F&I PPU
  • Excellent consumer acceptance: low level complaints and high levels of customer satisfaction

For Customers

  • Protects car from annoying and unsightly minor cosmetic damage
  • Safeguards no claims bonus
  • Simple claims process
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What is Minor Damage Insurance?

Our extensive research yielded these results:

Purchase graph


Over 80% of car owners would be likely or open to purchasing minor damage insurance.

Repairs graph


Without a policy, nearly 50% of those questioned about minor damage would not get it repaired due to perceived high costs

Actual Damage graph

Actual Damage

This is backed up by 78% who acknowledged that they had minor damage on their vehicles.

Did you know?

Our research* shows that when Smart Insurance is introduced properly it can have a positive effect on the performance of other insurance value added products.

* research from dealer case study over Jan-Dec 2016 monitoring GAP, paint protection and smart insurance policy volume, penetration and PPU.