Complete Cosmetic Protection

Minor Damage Repair Insurance

• 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 dent to a metal body panel, not exceeding 40cm in diameter.
  ✓ a minor scratch, not exceeding 40cm in length.
  ✓ a scuffed bumper, which is less than 40cm in diameter.
  ✓ a scratched or scuffed wing mirror cover/casing, where the damage is less than 40cm in diameter.
• 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 40cm covered area and is not repairable using a SMART repair technique.

Alloy Wheel Insurance

• The cost of a repair to an alloy wheel in the event of accidental or malicious damage.
• Alloy wheel repairs are limited to ten (10) during the policy term, at a maximum of £200 per repair including VAT and £2,000 including VAT in total.
• A contribution towards a replacement alloy wheel in the event it is damaged beyond repair, up to a maximum of £200 including VAT per alloy wheel. Any contribution towards a replacement counts as one (1) of the ten (10) repairs.

Windscreen Replacement Excess Cover

• A contribution towards your motor insurance windscreen excess where your vehicle requires a replacement windscreen as a result of damage caused by day-to-day motoring, for a maximum of:
  ✓ Three (3) contributions during the policy term; and
  ✓ £150 including VAT for any one contribution; and
  ✓ £450 including VAT in total, during the policy term.

• Any claim which is not reported within thirty (30) days of the incident date.
• Stone chip damage to the vehicle.
• 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.
• Any damage 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 locks or handles, beading, mouldings, lamps, window panels, glass, windscreen (other than a claim for windscreen replacement excess) tyres, wheels or wheel trims.
• 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 claim where the damage has been accumulated over an extended period, which is deemed to be wear and tear.
• Any damage showing evidence of rust, corrosion or hail impact.
• Any claim relating to an alloy wheel that is not fitted to the vehicle or damage that was present at the start of the policy.
• Any claim relating to a road traffic accident or as a result of fire, theft or flood.
• Any claim for malicious damage that is not accompanied by a crime reference number.
• Vehicles that have a specialist bodywork finish, including self-healing, chrome illusion, matte or textured finish or bodywork wrap.
• Wheels that are of chrome finish, polished finish or split rim construction.
• Any windscreen replacement excess claim involving malicious or intentional damage, where the windscreen can be repaired or the excess is payable by a third party for any reason.
• Consequential damage, loss or injury of any kind.

• Cover only applies where the damage is a result of day-to-day motoring and where the accidental or malicious damage is a result of a sudden and unforeseen event.
• 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, dispatch, driving school tuition, chauffeuring, road racing, track days (timed or untimed), rallying, pace-making, speed testing or any other competitive event.

• You must be 18 years of age or over and the resident in the UK, Channel Islands or the Isle of Man
• The vehicle must not be an emergency or commercial vehicle, or be used for dispatch, hire and reward, driving school tuition, chauffeuring, road racing, track days (timed or untimed), rallying, pace-making, speed testing or any other competitive event.
• You must have purchased the policy from the supplying dealer no later than 30 days after purchasing the vehicle.

You can manage your policy by creating a ‘MyPremia’ account with the Administrator by logging onto https://www.mypremia.co.uk/ and clicking ‘Register Account’. Your ‘MyPremia’ account will allow you to access your policy documents, update personal details and submit or manage a claim.

Alternative contact details can be found within your policy document.

Cover is provided for incidents which occur within the UK, Ireland, Isle of Man and the Channel Islands. Cover is also provided for a period of up to sixty (60) days for any one single trip to Switzerland or the countries of the European Economic Area.