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SMART INSURANCE Policy Wording - Smart Insurance -


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Policy Wording
Smart Insurance Cover
Insurance to assist in keeping your vehicle in pristine condition and to keep it free of minor cosmetic damage.
The Insurer
Red Sands Insurance Company (Europe) Limited, Level 3, Ocean Village Business Centre, 23 Ocean Village Promenade, Gibraltar.
The Administrator
Small Accident Repair Technology Limited trading as Smart Insurance UK, Rawdon Business Park, Moira, Derbyshire, DE12 6EJ.
What is covered? Please note this is subject to level of cover purchased.

                   Features And Benefits                                         Level 1          Level 2           Level 3            Level 4
                            Stone Chips
                   Front & Rear Bumper Scuffs
                    Windscreen Chip Repairs
                   Wing Mirror cover Scratches
                      Body Panel Scratches
                         Body Panel Dents
                      Alloy Wheel Repairs**
**Please see “What is Not Covered” below
Key Information:
   Policy Duration: The policy runs for 12 months from the start date on your policy schedule if paid by annual premium. If paid by Direct
    Debit, premiums are collected each calendar month and it automatically renews every calendar month. Automatic renewal is subject to
    receipt of the premium.
   Claim Limit: £500 for any individual claim (inclusive of VAT) with a £3,000 annual aggregate claim limit (inclusive of VAT).
Meaning of certain words:
   Minor Cosmetic Damage caused by everyday motoring, to be repaired using manufacturer approved minor cosmetic repair techniques
    and materials.
   Stone Chip: chips up to 3mm in diameter and 1.5mm in depth. Filled & sealed to prevent corrosion. Damage will remain slightly visible
   Bumper Scuff: a scratch, scuff or dent on the vehicle bumper up to 300mm in length and 3mm in depth.
   Alloy Wheel: a standard painted silver wheel, up to a maximum of 4 wheel repairs per year.
   Windscreen Chips: Chips to the front screen only, up to 25mm in diameter.
   Wing Mirror Cover Repair: A scratch, chip or dent to the plastic wing mirror cover up to 300mm in length and 3mm in depth.
   Body Panel Scratches and Dents: Repairs to outer body panels up to 300mm in length and 3mm in depth.
   Excess: the amount in sterling, as noted in your schedule, payable for each claim.

Damage to bonnets, roofs, boot lids/tailgates or horizontal surfaces are subject to stone chip repairs only.
Please note that all aftermarket repairs vary from that of an automotive factory finish, which is machine sprayed to a degree beyond that
achievable by human capability.

What is Not Covered
        Any damage that exceeds the length and depth parameters as set out above;
        Any damage to the wing mirror glass.
        If an individual claim exceeds the £500 claim limit, the entire claim will be rejected as outside the scope of this policy;
        Damage that cannot be repaired using minor cosmetic repair techniques;
        Body shop repairs are excluded;
        Vehicles exceeding 3500kg, motorcycles, scooters, 3 wheeled vehicles, quad bikes, caravans, motorhomes, trailers or boats;
        Vehicles used for hire or reward (e.g. taxi’s, self-drive hire or driving schools) or vehicles used for any kind of racing or rallying;

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         Vehicles with any kind of bespoke paint finish, self-healing paint, matt finish, body wrap or chrome illusion paint (two tone paint
         Damage to a body panel that has been ripped, torn, perforated or damage to the structure/alignment of the panel;
         Replacement of any body panel or part of a panel;
         Damage to locks and handles;
         Damage caused by hail, rust or corrosion;
         Windscreen chips that have cracked or split the screen;
         Exterior trim panels that are chrome/metal effect;
         Alloy wheels that are chrome effect, diamond cut or split rim finish;
         Damage that existed before the policy start date;
         Damage that occurs within the first 30 days of the policy start date;
         Damage caused by or to decals, badges, beading, accessories, lights, mouldings (including clear plastic) and windows (except
          windscreen chips);
         Any repair required outside mainland UK (Only repairs covered within England, Scotland and Wales).
         The excess which is £25 per claim.

Making a Claim
Please note that repairs will be carried out at your choice of location providing that there is room for the repair to be carried out safely; the
vehicle is parked legally and the location is within the mainland UK.

When you become aware of any minor damage, this must be reported within 30 days by using the online claims form at
www.smartinsurancecover.comavailable 24/7, via our smart phone app or by calling the claims line on 0800 077 8713.

In order to process your claim we will require the following information:
                   Your personal and vehicle details
                   Full details of the damage
                   Confirmation that the minor damage meets the criteria in your policy documents.
                   Your policy number
                   You will also need to provide a photograph of the damage taken at approximately arm’s length. These are to be emailed to

Upon receipt of the information requested we will review your claim. If the claim is covered under your policy it will be passed to our
authorised repairer who will then contact you directly to arrange a repair booking.

Upon arrival the repair technician will inspect the vehicle and request any excess to be paid before the repair commences. Signatures will be
required before a repair and after completion to confirm your acceptance.

General Conditions
         You must report your claim within 30 days following the incident.
         You must use all reasonable care to maintain the vehicle in an efficient and roadworthy condition and take all reasonable
          precautions to prevent or minimise damage.
         You must give us true and complete information.
         You must follow the prescribed claims procedure.
         You must pay the monthly premium.
         You must inform the policy administrator, if any details in the policy schedule are incorrect or need updating.
         Please note we reserve the right to charge a nominal fee for any changes to your policy. This will be communicated to you by the
          policy administrator at the time such changes are made.
         It is possible to transfer the policy to a new vehicle providing the new vehicle is eligible, we reserve the right to charge a nominal
          administration fee if multiple vehicle changes are made in one year. You must notify Smart Insurance of any vehicle transfers
Cancellation and Cooling off Period
         You have the right to cancel this policy within 14 days from the policy start date without financial penalty providing no claim has
          been made.
         If you cancel the policy after 14 days of the start date, no refund (part or full) will be given.
         The policy will be automatically cancelled in the event you cease to be resident in mainland UK.
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         We reserve the right to cancel your policy by giving you 30 days notice at any stage during the policy term; no further premiums will
          be taken.
         We reserve the right to cancel the policy on non-payment of premium and in any event after 2 consecutive failed attempts to receive
          payment of the premium by Direct Debit.
         We reserve the right to charge a fee of £15 for any defaulted Direct Debit Payment.

Enquiries or Complaints
Smart and the Insurer aim to provide the highest possible level of customer service and pay claims fairly and promptly. If you have a complaint
you should first contact Smart Insurance UK in writing at Rawdon Business Park, Moira, Derbyshire, DE12 6EJ or by telephone on
0800 012 1830. Please quote your policy number or claim number in all correspondence.

In the unlikely event that the matter is not resolved to your satisfaction, your complaint can then be referred to the Financial Ombudsman
Services (‘FOS’) in writing at South Quay Plaza, 183 Marsh Wall, Docklands, London E14 9SR or by phone on 0845 080 1800. Please note that
you have 6 months from the date of our final response in which to refer the matter to the FOS. Referral to the FOS does not affect your legal

Important Notes
About The Insurer: Red Sands Insurance Company (Europe) Limited (Red Sands) is licensed and regulated by the Gibraltar Financial Services
Commission under the Insurance Companies Act 1987 of Gibraltar and is a member of the UK’s Financial Services Compensation Scheme and
the Association of British Insurers (ABI). Red Sands is registered in Gibraltar , number 87598, with a registered office at Level 3, Ocean Village
Business centre, 23 Ocean Village Promenade, Gibraltar.

About Smart Insurance UK: Small Accident Repair Technology trading as Smart Insurance UK is an appointed representative (AR Number
484537) of Correlation Risk Partners Limited who is fully authorised and regulated by the Financial Services Authority (FSA) and appears in the
FSA’s Register under register number 439351. Small Accident Repair Technology Limited is registered in England under company number

Financial Compensation Scheme: If we are unable to meet our liabilities you may be entitled to compensation under the Financial Services
Compensation Scheme (FSCS). Further information about compensation scheme arrangements is available at by emailing or by phoning the FSCS on 0207 892 7300.

Data Protection Act 1998: We may store your information on a computer and use it for administration, risk assessment, research and
statistical purposes, marketing purposes and for crime prevention. Your personal details will only be disclosed to third parties if it is necessary
for the performance of this insurance contract. It may be sent in confidence for processing to other companies in our group (or companies
acting on our instructions), including those outside the European Economic Area. You signify your consent to such information being processed
by us or our agents.

Fraud: You must not act in a fraudulent way. If You or anyone acting for You:
        makes a claim under the policy knowing the claim to be false or exaggerated in any way;
        makes a statement in support of a claim knowing the statement to be false in any way;
        sends Us or SMART any documentation in support of a claim knowing the documentation to be forged or false in any way;
        makes a claim for any loss caused by Your deliberate act or with Your agreement then We:
                 will not pay the claim or any other claim which has been or will be made under the policy;
                 may declare the policy void and will not return any of your premiums
                 will be entitled to recover from You the amount of any claim already paid under the policy;
                 may let the police know about the circumstances.

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Follow these simple instructions to assess your damage

      Print this page on A4 paper and set your printer to
                          "Actual Size"

      Ensure the damage is on an eligible area. Consult
       your terms & conditions or call 0800 012 1830 if

     Place the centre circle at the middle of the damaged area.
     Ensure the damage fits within the 300mm circle and meets
       the criteria of your policy document, then take a digital
                       photograph of the damage

             Fill in the claim form on the website at or via our smartphone app
                      24/7 to submit your claim

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