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Minor Damage Insurance

Help protect your lease vehicle from minor damage, such as small scratches, scuffs and dents with SMART Insurance and Tyre and Alloy Insurance.

Benefits of Minor Damage Insurance

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Low cost insurance cover

Policies start from just £399 and can be paid as a one-off payment or spread over 10 interest-free monthly direct debit payments.

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Repairs convenient for you

All work is carried out at a time convenient for you and SMART repairs usually take less than an hour to complete, helping to minimise downtime and keep you on the road.

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Alleviate damage worries

Help to avoid costly end-of-lease damage charges by protecting against sudden and unforeseen damage to your lease vehicle which often occurs from means beyond your control.

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Cover for up to 36 months

SMART and Tyre and Alloy Wheel Insurance provides cover for up to 36 months and starts from day of delivery, ensuring you're covered from day one.

Insurance options

SMART & Alloy
Wheel Insurance

Using SMART repair techniques (Small Minor Area Repair Technology), SMART and Alloy Wheel Insurance covers your lease vehicle against minor cosmetic damage to the bodywork and alloy wheels, helping to avoid costly damage charges at the end of your lease contract.

Get this cover for just £399

Find out more

Tyre and Alloy Wheel
Insurance

Help protect against sudden or unexpected scuffs and scratches to your alloy wheels, as well as repair and/or replacement tyres if they are damaged during your lease contract with Tyre and Alloy Wheel Insurance.

Get this cover for just £399

Find out more

SMART, Tyre and
Alloy Wheel Extra

SMART, Tyre and Alloy Wheel Extra insurance combines the best of both worlds. Cover for small scratches, scuffs and dents to the body work and alloy wheels, as well as the repair or replacement of your tyres - offering the ultimate in protection for your new lease vehicle.

Get this cover for just £699

Find out more

Got questions?

Frequently asked questions regarding minor damage insurance

No, SMART and Alloy, Tyre and Alloy and SMART, Tyre and Alloy Wheel Extra Insurance are not a compulsory policies when leasing with Nationwide Vehicle Contracts, however, it is worth considering if you are particularly worried about end-of-contract damage charges at the end of your lease contract. 

Body work damage and/or damaged tyres and alloy wheels must be replaced or repaired before your lease vehicle is collected as they aren’t covered by general Fair Wear and Tear. Minor damage insurance helps to offer peace of mind for damage outside your control caused by things like pot holes, debris and high kerbs.

As long as the damage meets the criteria, cover is provided for incidents which occur within the UK, Ireland, Isle of Man and the Channel Islands. Cover is also provided for a period of up to sixty days for any one single trip to Switzerland or the countries of the EEU.

Yes, as with any type of insurance policy, SMART and Alloy, Tyre and Alloy and SMART, Tyre and Alloy Wheel Extra all come with policy restrictions and exclusions. Certain vehicles are not eligible for cover including commercial vehicles (such as vans and pickup trucks), emergency vehicles, taxis or vehicles used for hire or reward and vehicles with wheels of chrome finish, or split rim construction. For full terms and conditions please refer to your policy document.

There are three different types of minor damage insurance policies available – SMART and Alloy Insurance which is available for £399, Tyre and Alloy Insurance which is available at £399 and SMART, Tyre and Alloy Wheel Extra Insurance which starts from £699. You can choose to pay for the cost of the policy as a one-off payment (by credit or debit card) or spread the cost over 10 interest-free monthly direct debit payments.

No, minor damage insurance can only be taken out within 30 days of delivery of your lease vehicle and cannot be renewed.

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