The questions and answers below cover the most common initial queries that customers have; however, it you have a different question or can’t find what you’re looking for in the policy document displayed, please get in touch with us using the contact details at the bottom of this page and we’ll be happy to help you.
Cover includes paint scuffs, scratches, or chips up to 300mm in diameter and no deeper than 3mm and dents to your car’s bodywork which are less than 40mm in diameter.
Cover is for 12 months and you have a choice of paying by instalments of £15 via a 0% finance agreement or by making a one-off payment of £180 at the start of your policy.
No, pre-existing damage is not covered. An inspection report will be provided by Revive! free of charge and this will highlight any pre-existing damage that will be excluded from the claim process.
You can still purchase the policy without an inspection report, subject to Revive! carrying out an inspection report within 30 days of purchase (free of charge), when the cover will then commence.
If your car is purchased new from a franchised dealer within 30 days of taking out a policy, or an inspection report was done by us at the time of a SMART repair within the last 30 days, an inspection report is not required.
If your car has been purchased new within the last 30 days before you purchase cover, your policy and finance instalments will commence as soon as finance approval is given or, if you choose the £180 annual premium option, your policy will begin once you have paid your premium.
Similarly. If Revive! has already conducted an inspection report within the last 30 days when you had a repair completed, there will be no need for another inspection report, so your policy can be started either on finance approval or when you have paid your £180 premium.
If you pay the £180 premium subject to an inspection report, your policy will commence as soon as we receive the inspection report.
However, if you are applying for the £15 monthly 0% finance option subject to an inspection report, once your finance is agreed your finance instalments will commence immediately. On receipt of the inspection report Nice 1 will confirm cover by email and attach your policy documents.
On main car insurance policies it is common for the insurer to apply a policy excess, which is the first amount of a claim that you must pay. Your Scratch & Dent insurance policy includes, for free, an excess cover of £250, which means that if you have to pay the excess on a settled motor accident claim by your main car insurer, you can claim from your Scratch & Dent policy £250 to either offset the excess payment you have made or help to offset it.
If you own or personally lease a car that is less than 7 years old and has less than 70,000 miles on the clock, then you are eligible to purchase this insurance.
For exclusions, please check the Policy Document.
The policy covers up to 3 repairs in the 12 months of cover.
Making a claim is easy. To make a claim, within 30 days of the incident, you should complete the online form at www.mbginsurance.co.uk.
Completing the claim form will provide them with all the necessary information that is required in order to quickly process your claim. Please note that failure to provide all information at this point may mean that your claim cannot be processed.
Alternatively, you may contact the claims administrator during office hours: 9am – 5pm, Monday – Friday on 0191 259 6378 or email firstname.lastname@example.org.
Alternatively, please write to: Mechanical Breakdown & General Insurance Services Ltd, Cobalt Business Exchange, Cobalt Park Way, Newcastle, NE28 9NZ. TO make a claim please call 0191 259 9378.
Revive! will come to you and carry out the repair either at your home, place of work or another mutually suitable location.
There is a small excess of £25 to pay before your scratch and dent claim can be finalised (not applicable to the £250 free excess protection insurance).
If you decide that the policy does not meet your needs, you have 14 days to inform us and, if applicable, the finance company. On the condition that no claims have been made or are pending during this period, your premium/instalment will be refunded in full.
If you choose the £15 per month 0% finance instalment option, you will be liable for an administration charge and the amount outstanding on your agreement, which will be subsidised by the premium refund in the preceding paragraph.
Either in one payment via bank debit or credit card, or, monthly with the 0% finance agreement by direct debit, which means that you are not liable for interest (full details of finance agreement related issues will be displayed prior to purchase). Please see DOES THE POLICY COVER PRE-EXISTING DAMAGE.
Nice 1 Limited is authorised by the Financial Conduct Authority (ref no 650309) and is the company that arranged this insurance which is underwritten by Novus Underwriting Limited on behalf of Helvetia Schweizerische Versicherungsgesellschaft in Liechtenstein AG.
Revive! Auto Innovations (UK) Limited is one of the largest SMART repair networks in the UK and covers the vast majority of the country; and it is authorised by the claims handler to undertake repairs to your car. It is also an Appointed Representative of Nice1 and the two companies may exchange details about you in order to administer your policy.
Helvetia Schweizerische Versicherungsgesellschaft in Liechtenstein AG is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if Helvetia Schweizerische Versicherungsgesellschaft in Liechtenstein AG cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim with no upper limit. You can get more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk.
Insurance Premium Tax (IPT) is a government-introduced tax on insurance policies including car, home, travel, and pet insurance which every insurance provider has to charge and pass on to the Inland Revenue.
Unfortunately, if you sell your car then the policy is no longer valid; however, you will be entitled to a partial refund of your policy premium (less a £34.99 administration charge) which can be used to help pay for cover for another car, provided that no claims have been made or are pending or there is less than 6 months left on the policy.
Scratch and dent insurance covers your vehicle bodywork for repairs which can be carried out using the Small to Medium Area Repair Technique (SMART). This is usually cosmetic repairs to damage such as single panel scratches, bumper scuffs and the removal of small dents where the paint has not been broken.
To find out exactly what is covered, please check the full Policy Document.
Every car is worth insuring for scratch and dent repairs. Repairing small damage means your car is kept in great condition, it can maximise its re-sale value and means lease cars can be maintained to avoid or lessen any additional charges when they are due to be returned.
Scratch and dent insurance isn’t a new thing. However, the policies are usually very restrictive as you have to either purchase it directly from a car dealership or within 30-days of purchasing a car.
These scratch and dent policies can be purchased by anyone who owns or leases a car that is under 7 years old and has less than 70,000 miles on the clock. All that’s needed is to inspect the car to check for existing damage and you’re good to go. Cars purchased new from a franchised car dealership within the last 30 days prior to buying your scratch and dent policy do not require an inspection report.
Not if you have bought your car from a dealership in the past 30 days.
Likewise, if you have had an inspection completed straight after a Revive! SMART repair then you have 30 days to purchase a policy.
Other than that, your car will need to be inspected once you have purchased your chosen policy but we will do that at a time and place to suit you free of charge.
Having a scratch and dent policy means you can save money over the course of owning your car by avoiding the loss of your no claims bonus and the need to pay for unexpected repairs. Hopefully, our FAQs will give you a clear idea of whether or not scratch and dent insurance is right for you.BUY NOW