Complete Cosmetic Protection

• Unlimited number of SMART Repairs, limited to £1,000 per claim including VAT and £3,000 including VAT in total
• Minor stone chips, up to 3mm in diameter and 1.5mm in depth
• Minor dents to a metal body panel, not exceeding 30cm in diameter
• Minor scratches, up to 1.5mm in depth and not exceeding 30cm in length
• Scuffed bumper, which is less than 30cm in diameter and less than 3mm in depth
• A contribution of up to £250 including VAT towards a Bodyshop repair, where the minor cosmetic damage is not repairable using SMART Repair technique
• The cost of a repair to an alloy wheel in the event of accidental or malicious damage.
• A contribution towards a replacement alloy wheel in the event it is damaged beyond repair, up to a maximum of £150 including VAT per alloy wheel.
• Alloy wheel repairs are limited to ten (10), at a maximum of £150per repair including VAT and £1,500 including VAT in total during the policy term.

• Damage not reported within 30 days of the incident
• Vehicles that are used for hire and reward, driving schools, speed testing, pace-making or commercial purposes
• Damage to bodywork where the damage is over 30cm per incident
• Damage where the panel is ripped, perforated, cracked, or torn
• Damage accumulated over an extended period, deemed to be wear and tear
• Any damage showing signs of rust or corrosion
• Consequential damage, or damage subject to a Motor Insurance claim

• You must be 18 years of age or over and the resident in the UK, Channel Islands or the Isle of Man
• The vehicle must not be an emergency or commercial vehicle, or be used for dispatch, hire and reward, driving school tuition, chauffeuring, road racing, track days (timed or untimed), rallying, pace-making, speed testing or any other competitive event.
• You must have purchased the policy from the supplying dealer no later than 30 days after purchasing the vehicle.

You can manage your policy by creating a ‘MyPremia’ account with the Administrator by logging onto https://www.mypremia.co.uk/ and clicking ‘Register Account’. Your ‘MyPremia’ account will allow you to access your policy documents, update personal details and submit or manage a claim.

Alternative contact details can be found within your policy document.