Cosmetic Warranty Insurance

If your car is your pride and joy, you will appreciate its fine lines, detailing and the beauty of its design. Unfortunately, you can’t always be there to make sure it stays safe and sound and everyday knocks and bumps are part of life on today’s roads.

Minor dents, scratches and scrapes from car parks, stone chips or other people’s carelessness shouldn’t take the shine off your car and AutoTrust Cosmetic Warranty is the perfect way to maintain your car’s showroom appearance for longer.

If your car suffers minor cosmetic damage from scratches, dents and stone chips, AutoTrust Cosmetic Warranty will arrange and pay for the cost of repair to keep your car looking fresher for longer.

Guaranteed repairs from qualified and accredited technicians will remove scratches and dents up to 15cm long and 3mm deep and stone chips up to 1.5cm in diameter and keep your car looking pristine.

AutoTrust Cosmetic Warranty can also help maintain control on your motor insurance cost by preventing a potentially costly claim through your car insurer and helping you keep your No Claims Discount.


Eligibility

You are eligible for cover under this policy if: 

  • The vehicle is under 5 years old and has covered fewer than 60,000 miles at the start of the policy;
  • If the car has a standard factory supplied paint colour and finish;

  • To private individuals who are the registered owner and keeper of the vehicle and who are resident in the United Kingdom, excluding the Isle of Wight and the Islands of Scotland (including the Shetland, Orkney, Inner Hebrides and Outer Hebrides Islands);
  • The vehicle is used only for social, domestic, pleasure and commuting to and from a place of work.

You may purchase this product up to or on the delivery date of your vehicle.  The policy will commence on the delivery date of your vehicle. 

Policy exclusions and limits

  • Damage that is greater than the limits set out in the policy, is estimated to exceed 4 hours to repair or which is not technically possible using a Cosmetic Repair method;
  • Any damage that was incurred before the policy start date;
  • Any damage reported to AutoTrust Cosmetic Warranty more than 30 days after the incident;
  • Damage that has occurred to horizontal, flat surfaces such as bonnets, roofs and boot tops;
  • Damage which extends over more than two (2) adjacent body panels. In the event that the damage extends over more than two (2) adjacent body panels, the entire claim will be excluded as the damage falls outside the scope of this policy;

  • Damage to paint colours and finishes that cannot be matched by the repairer, including, but not limited to, non-standard paint colours and finishes, body wraps, two-tone paint finishes and matt finishes;
  • Damage to a body panel or part of a panel that has been ripped, torn or perforated;
  • Damage caused by hail, rust, pitting or paintwork discolouration;
  • Damage to wheels and wheel trims;
  • Damage to stickers, decals, beading or moulding (including protective plastic), or that requires the removal of these items;
  • Damage to locks and handles, accessories, door mouldings, window mouldings, lights or any window.

Cancellation

You have the right to cancel the policy within 14 days of purchase with a full refund without giving any reason providing that no claims have been made. Please note that no refund will be made after the expiration of this period.

AutoTrust Cosmetic Warranty policy is provided by UK General Insurance Limited on behalf of Ageas Insurance Limited, registered Office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire SO53 3YA. Registered in England No: 00354568, and is designed to cover you against the cost of Minor Cosmetic Damage to your vehicle throughout the Period of Cover. The administrator of the policy is Car Care Plan Ltd, Jubilee House, 5 Mid Point Business Park, Thornbury, West Yorkshire, BD3 7AG.

Details about the extent of our authorisation and regulation by the Financial Conduct Authority are available from us on request. This policy is subject to English law unless otherwise agreed.

Full Terms and Conditions of this policy are available on request.