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Is cosmetic repair insurance worth it?

By Jodie Chay Oneill | June 13, 2024

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No matter how carefully you handle your car, it will likely end up with a dent, scratch, or scrape during your ownership.

Is cosmetic repair insurance worth it?

No matter how carefully you handle your car, it will likely end up with a dent, scratch, or scrape during your ownership. Repairing this minor cosmetic damage without an expensive and time-consuming trip to a body shop is possible with mobile specialists and a system called 'Smart' (Small and Medium Area Repair Technology).

A door dent from a careless parker, paint chips from flying stones, or a kerbed wheel—these are all examples of minor, non-dangerous but annoying cosmetic vehicle damage.

Beyond being unsightly and marring your car’s pristine appearance, these small scuffs and dings can be costly. If you're leasing, the damage will likely be noticed upon return, resulting in penalty charges for repair. If it's your own car and you want to sell it, even small scratches or dents can reduce its value.

The same applies when using your car as a trade-in. Buyers and traders often use visible damage to negotiate a lower price. Additionally, untreated minor damage can worsen over time, with small scratches or scuffs potentially developing into rust spots or holes as water and dirt seep in.

Fortunately, today's smaller car bodywork issues can be repaired to a high standard using Smart techniques. Professional products like primers, advanced equipment that matches paint hues perfectly, and buffers and polishers that achieve factory-quality finishes allow technicians to make minor cosmetic damage on bodywork and alloy wheels virtually disappear.

We've teamed up with MotorEasy, they are more of an insurance company than a repair shop, but running your car and keeping it maintained are at the heart of its business. You’ll find warranty, gap insurance, breakdown cover and tyre insurance among its list of products and services. And Smart cosmetic repairs are featured in there too.

MotorEasy has partnered with Dent Wizard and Wheel Wizard repairers and offers a 10% discount.

Technicians offer mobile coverage across the UK and cosmetic car repairs can be carried out ‘at a place that suits you’. They bring their own power so access to properties is not even required.

Get a cosmetic repair quote for your car from MotorEasy and save 11% here

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