Cosmetic Repair Insurance
Keep vehicles looking their best without the cost of bodyshop bills
Help customers protect the appearance of their vehicle against the minor scrapes, scuffs, and dents that everyday driving inevitably brings — damage that standard motor policies won't cover, but that customers genuinely notice and care about.
Protect Against the Cost of Minor Vehicle Damage
Car park scrapes, shopping trolley dents, and minor paintwork scuffs are an unavoidable part of modern motoring. Left unrepaired, they affect the vehicle's appearance, residual value, and the customer's pride in their car. Our Cosmetic Repair Insurance covers the cost of professional repairs using the latest smart repair techniques, restoring vehicles quickly and without the need for a full bodyshop visit — or a claim on the main motor policy.
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Paintwork Repair Covered
Protection against the cost of repairing minor scratches, scuffs, and paint damage to the vehicle's bodywork.
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Dent Repair Covered
Cover for minor dents and dings using professional paintless dent removal techniques where applicable.
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No Impact on Main Policy
Claims made under this policy do not affect the customer's main motor insurance no claims discount.
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Fast, Convenient Repairs
Smart repair techniques mean most damage can be repaired quickly, often at the customer's home or workplace.
What your policy covers
Cosmetic protection across the most common everyday damage scenarios
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Minor Paintwork Scratches
Cover for light surface scratches to the vehicle's painted bodywork that do not penetrate to bare metal.
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Scuffs & Scrapes
Protection for scuffs and scrapes to bumpers and body panels caused by minor contact with other vehicles, objects, or structures.
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Paintless Dent Removal
Cover for minor dents and dings where the paintwork remains intact and repairs can be carried out using non-invasive techniques.
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Bumper Scuffs & Chips
Repair cover for cosmetic damage to front and rear bumpers caused by everyday contact and parking incidents.
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Bird Strike & Environmental Damage
Protection for paintwork damage caused by bird droppings, tree sap, and other environmental contaminants where left untreated.
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Interior Cosmetic Damage
Cover for minor damage to interior trim, upholstery, and dashboard surfaces, subject to the chosen policy level.
who is covered
Eligible Policyholders
- The registered keeper of the vehicle
- All authorised drivers of the insured vehicle
- New and used vehicles up to an eligible age and condition at policy inception
Why choose Coplus
Trusted Motor Ancillary Partner
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Industry experience since 1988
Experience across motor ancillary insurance since 1988, giving our partners the expertise, insight and support to deliver products with confidence.
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Over 1 million policyholders protected
Supporting customers with a comprehensive suite of compliant, value-added ancillary products, designed to deliver confidence when it’s needed most.
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Specialist cosmetic repair partner
Claims and repairs are handled by our specialist smart repair partner, chosen for its quality of work and service. We oversee the partnership closely, so customers get a consistent, reliable experience every time.
Our range of motor ancillary products
Related Motor Protection Products
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Breakdown Cover
Wide range of covers available which deliver reliable roadside support that enhances policy value.
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Car warranty
Cover for unexpected mechanical and electrical failures, giving customers financial protection and peace of mind long after the manufacturer’s warranty...
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Helmets & Leathers Insurance
Covers the cost of replacing damaged helmets, leathers and protective riding equipment that standard motor policies often leave behind.
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Key Insurance
Cover for lost, stolen or broken keys, for both home and vehicle, as modern keys become costlier to replace.
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Motor Accident Injury Protection
Financial compensation for death or serious injury following a road accident, for the driver and any passengers in the vehicle.
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Motor Excess Protection
Reimburses the excess customers pay when they make a claim, across cars, taxis, commercial vehicles and more.
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Replacement Vehicle Cover
A suitable replacement vehicle delivered anywhere in the UK, keeping customers on the road after an accident, theft or write-off.
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Tools in Transit Insurance
Covers theft or damage to tools and equipment while they’re loaded, carried or unloaded, keeping tradespeople on the road and...
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Tyre & Alloy Cover
Cover for tyre and alloy damage from potholes, kerbs and road hazards.
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Windscreen Insurance
Fast, hassle free cover for chip and crack repair or replacement.
Frequently asked questions
Cosmetic Repair Insurance FAQs
What does Cosmetic Repair Insurance cover?
The policy covers the cost of repairing minor scratches, scuffs, dents, and paintwork damage to the vehicle’s exterior bodywork using professional smart repair techniques, subject to the chosen level of cover and policy terms.
Will making a cosmetic repair claim affect my no claims discount?
No. Claims are made on this policy, not the main motor insurance, so the customer’s no claims discount isn’t affected.
What is smart repair and how does it work?
SMART stands for Small to Medium Area Repair Technique. A trained technician repairs only the damaged area, rather than the whole panel, so repairs are quicker and cheaper and keep more of the original paintwork.
Is there a limit to the size of damage that can be repaired?
Yes. The policy is designed for minor damage that can be fixed with smart repair. Larger damage needing a full panel replacement isn’t covered. Size limits are set out in the policy wording.
How many claims can a customer make per year?
Customers can make more than one claim a year, up to the limits set out in their policy wording.
Can repairs be carried out at the customer's home or workplace?
Yes. Most repairs are done by a mobile technician at a time and place that suits the customer.
Does the policy cover interior damage?
No. Cover is for minor damage to the vehicle’s exterior bodywork and paintwork.
Get in touch
Trusted By Brokers and Insurers Across The UK
We work with brokers, insurers, and partners to deliver products and services that add value, strengthen relationships, and support customers when they need it most.
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Affinity & Partners
Start selling ancillary products in weeks with dedicated support and tech built for seamless integration.
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Brokers
Enhance customer value through flexible products, claims expertise and operational support.
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Insurers & MGAs
Access governed products, scalable claims operations and flexible distribution solutions.
Talk directly with the team
We aim to respond within 2 working days