Smart Insurance

Introducing your SMART Cover

Small cosmetic damage like scratches, scuffs and dents not only affect the appearance of your car but also its value. Conventional body shops can often be both time-consuming and costly. SMART offers a solution that not only saves you time and money but also covers for damage up to 40 cm in length and diameter.

Additionally, our service provides the convenience of mobile repairers who can come to you and restore your car to its original condition.

Windscreen damage is also something we all experience. Rocks, stones, pebbles and gravel thrown up by other cars’ tyres (or falling off the back of a lorry) can make this unavoidable and all too common in daily life.

These small, hard projectiles travelling at speed can easily impact your windscreen and cause the glass to crack. SMART not only covers damage to your vehicle's bodywork but also contributes towards your Windscreen Replacement.

Key Benefits

Maintains Value: Helps maintain the appearance and resale value of your vehicle throughout ownership

Comprehensive Coverage: Includes windscreen damage from everyday road debris

Convenient Repairs: Repairs are completed at a time and place that suits you, with no excess to pay

Lifetime Guarantee: All repairs are guaranteed for the lifetime ownership of the vehicle

What is covered

Unlimited SMART Claims Up to £1,000 per SMART claim
Maximum aggregate claim limit of £3,000
Up to £250 body shop contribution for eligible damage that is not SMART repairable
Three contributions of £150 each towards windscreen excess or replacement and £450 in total, during the policy term
Spread the cost with 0% interest by paying in ten easy monthly instalments

[All amounts are inclusive of VAT]

Important Information: Before purchasing, please review the ‘What is not covered’ section to understand the full terms and exclusions.

What is not covered

Any damage that is reported after 30 days or over 40cm in length or diameter
Damage that is not repairable using SMART repair techniques or would require a body shop due to the extent of the damage
Damage caused by stone chips or damage to the vehicle’s roof
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

© TMS Motor Group. All rights reserved
Reg Office: Trinity Marina, Coventry Road, Hinckley, Leicestershire, LE10 0NF
Reg. Company Number: 5693106
VAT Reg. No. 881 6690 84

Ways to Pay

TMS LIMITED is an appointed representative of ITC Compliance Limited which is authorised and regulated by the Financial Conduct Authority (their registration number is 313486). Permitted activities include advising on and arranging general insurance contracts and acting as a credit broker not a lender.

We can introduce you to a limited number of finance providers. We do not charge a fee for our Consumer Credit services. We do not act as a financial adviser, or fiduciary. We act in our own interest, whichever lender we introduce you to, we will typically receive commission from them based on either a fixed fee or a fixed percentage of the amount you borrow. Any and all commission amounts will be fully disclosed to you as part of your sales journey. You will be required to give your fully informed consent to our receipt of this commission. By doing this, you acknowledge that you understand our role as a credit broker, and that we will receive a financial incentive if you take out a loan from a lender that we introduce you to.

All finance applications are subject to status, terms and conditions apply, UK residents only, 18s or over, Guarantees may be required.

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Key Benefits

What is covered

What is not covered