Cosmetic Car Insurance
Protect your car’s value and appearance by covering the cost of scratch and dent repairs.
Why should you choose MotorEasy Cosmetic Insurance?
Scratches, dents, and scuffs are all too common, and repairing them can be costly. Damaged paintwork not only spoils your car’s appearance but can also reduce its value and even lead to financial penalties if you’re returning a vehicle to a dealer or leasing company.
Our recommended partner, MotorEasy, covers the cost of minor bodywork damage up to 30cm long, even across multiple panels.
For around £8 per month, you can claim for minor repair costs — whether the damage was caused by you or someone else.
Repairs can be carried out at your home, workplace, or another convenient location, saving you time and hassle. Plus, there’s no need to claim through your main insurer, meaning you avoid excess fees, protect your no-claims bonus, and prevent potential premium increases in the future.
What's covered?
Cosmetic insurance is available for most new and used cars up to 5-years old and 60,000 miles
What’s covered by Cosmetic Repair Insurance:
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Make up to six cosmetic repair claims each year
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Cover damage repairs to paint and bodywork, including minor dents and scratches
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Damage extending across multiple panels
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Vandalism caused by keys
Why buy cosmetic insurance?
Cosmetic insurance offers a cost-effective way to stay on top of everyday blemishes that can detract from your car’s appearance and potentially reduce its value. It allows you to claim for minor damage repairs, whether the damage was caused by you or by someone else.
MotorEasy manages the entire process for you, with the option to have repairs carried out at your home, workplace, or another convenient location.
By claiming through MotorEasy’s cosmetic insurance, you can avoid going through your main insurer—helping you sidestep costly excess fees and reducing the risk of increased premiums or losing your no-claims bonus.
Customer reviews
Shell Smith
The company were quick to resolve my claim, and the paint work is 100 percent perfect! Thanks for your swift service
Jimmac
Excellent service. Organised Smart Repair for my chips and Daniel Edward’s contacted me to make sure so was pleased and happy with work. Good company to deal with.
Trusted Customer
The process of logging the claim to the completion of the work was very straightforward. The MotorEasy team made the whole process stress-free. The overall 'turnaround' time for the actual repair was quicker than I expected and he finish looks great. Thanks for your help Daniel
Victor Lou
Reasonable premium got protect my lovely car at showroom condition, absolutely great.
Michael Haig
Uploading photos of cosmetic damage was easy on my phone, and claim approval was prompt. I even got a follow-up phone call from Robyn Hemming at MotorEasy the day after the repair was completed to make sure I was happy (I was). It’s never any fun having to make a claim, but MotorEasy tries to make it as pain-free as possible.
Lucy Palmer
Hassle free and very quick to purchase SMART insurance.
FAQS
Standard insurance policies may cover minor cosmetic repairs, but high excess costs often make claims uneconomical. While some policies cover damage from vandalism, they typically do not cover everyday wear and tear. Making a claim through your motor insurer can also affect your no-claims bonus and lead to higher future premiums.
Cosmetic repair insurance provides a cost-effective alternative, covering minor damage repairs without impacting your main insurance or your premiums.
Regardless of who caused the damage, cosmetic repair insurance covers the cost of minor repairs to your car’s bodywork, including scuffs, scratches, and dents.
On average, cosmetic repair insurance costs about £85 a year. Premiums vary based on your vehicle’s make and model. A small claims fee of around £10 usually applies. Most insurers allow up to four claims annually, with individual claim limits between £100 - £200. (Based on the average price between September 2024 and September 2025.)
To decide whether cosmetic repair insurance is right for you, consider the following:
- Does your main motor insurance policy cover the cost of minor damage repairs?
- Does your main insurer charge an excess for each claim?
- Do you have a history of scratches or minor damage to your car’s bodywork?
- Is your car often left unattended in public areas, parked on the street, or in a shared workplace car park?
- Do you leave your car in a station car park during the day while commuting?
If you answered yes to any of these, you’re more likely to experience dents and scratches, so it may be worth considering how important it is to keep your car looking its best.
For those leasing a vehicle, cosmetic repair insurance also provides peace of mind, helping cover repairs that might otherwise result in end-of-lease damage penalties.