Keep that new car look and feel, with Cosmetic Insurance
Cosmetic Insurance
Picking up scratches, dings, dents and bumper scuffs are a fact of life, but they can often be very costly to repair and can also affect your no claims bonus.
That's why we’ve partnered with MotorEasy to help you cover the cost of repairs to scratches, scuffs and other car bodywork damage.
Why we recommend cosmetic insurance
For a modest monthly premium of around £10 per month, MotorEasy will cover the cost of repairs whether you caused the damage or were an innocent bystander. It avoids the need to claim through your main motor insurer, incurring their expensive “excess” fees and risking an increase to your annual premium. What’s more, it helps preserve your no claims bonus.
Damaged paintwork can spoil the look of a new car and runs the risk that you may incur penalty payments when you return your vehicle at the end of its lease.
With MotorEasy’s cosmetic cover you can claim up to six times a year for repairs to scratches, dents and other minor damage up to 30 centimetres in length across multiple panels.
What's covered
Up to 6 cosmetic repair claims per year
Cosmetic damage
Dent damage
Scuffs or scratch damage
Damage extending across multiple panels
Key vandalism
Key benefits of cosmetic insurance
- Covers most cars up to 5 years and 60,000 miles
- Pays for repairs up to 30cm in length across multiple panels
- Up to 6 cosmetic repair claims per year
- Affordable monthly premiums - usually less than £10 per month
- Keep your no claims bonus intact
Frequently Asked Questions
While insurance companies will cover scratch and dent repairs, their excess fees are often equivalent to the cost of a repair. What’s more when you claim through your main insurer, you might lose your no claims bonus and you could see future insurance premiums increase.
Cosmetic insurance is designed to provide a more cost-effective way to cover minor damage repairs. For a modest monthly premium you can avoid “excess fees” through your main insurer, preserving your no claims bonus and reducing the risk that future premiums will increase.
Whether you caused the damage or were an innocent bystander, cosmetic repair insurance will cover the cost of repairs. Depending on the type of car you own, the cost will vary. If you take out a longer period of cover, say three years rather than one, the monthly cost of your premium will likely decrease. Get a quote to find out more.
