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SMART Repair Insurance

Small-to-medium area repair technology (SMART) is a perfect example of how fast-moving technology is transforming the vehicle repair market. It’s still essential though, that you have the right cover.

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What is SMART Repair Insurance?

SMART Repair Insurance is specialist cover designed for repairers and technicians who undertake SMART repairs on vehicles. These could include fixing paintwork, marks and scratches, bodywork, dents, scrapes and bumper scuffs.

SMART Repairer Insurance covers risks specific to this unique type of motor trade.

What does SMART Repair Insurance cover?

With Road Runner, this cover may include:

Cover for vehicles in your care
Protection for the vehicles in your care while you repair, repaint, retouch and more. Can include customers’ vehicles being kept at your commercial premises under our ‘Vehicles at Business Premises’ extension.

Road Risks
Up to comprehensive levels of Road Risks cover – for when your team is on the move.

Protection for your premises
Cover for your commercial premises, with buildings cover up to £100,000. This could include liability cover and a range of extra options to protect you and your business.

Liability Insurance
Peace of mind with the benefit of protection from third-party claims, whether these are real or false.

Vehicles in transit
Collecting and returning vehicles before and after a SMART repair? Extend your cover so every vehicle is protected while in transit.

Goods, plant, machinery, stock and portable hand tools
Up to £25k fixed contents and tools cover. Includes tools stored in your work van and diagnostic computers. No single article limit. Stock covered up to £1,000.

Cover for defective workmanship
Protection against damage caused by poor repairs, with Products Liability.

Business Interruption cover
Compensation for lost income if your business is disrupted due to an insured event.

No Claims Bonus protection
Extend your cover to keep your No Claims Bonus in the event of a claim where insurers can’t recover their losses. (Terms apply – see your policy booklet or summary of cover.)

Ready to get SMART Repairs insurance?

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Why Road Runner for SMART Repairs Insurance?

Partners to all parts of the motor trade:

We’ve been side-by-side with every part of the motor trade for almost three decades, so we understand the ins and outs.

Our reputation is built on trust, great relationships, and serving up the insurance solutions that are right for you and your business.

We’re smarter about Insurance:

There’s no such thing as a one-size-fits-all policy with us – which is why we offer something as specialist as SMART repair cover.

For example, if a vital piece of your equipment goes MIA mid paint job, we’ll be there with a smarter solution so you can get going again – with minimum loss to you and your customers.

We help keep the motor running:

We understand the ins and outs of looking after cars while they’re with you for repair. We know all the appropriate cover options and interpreting insurance policies comes naturally to us.

Before coming to us for a quote, read our Feefo reviews for an idea of what our customers think about us.

And… we’re with you

We’ve been riding shotgun with the motor trade for over 25 years – so we know all the cover options available to you. Get in touch to see if we can secure you a better deal than you’re on now. Don’t worry, there’s no obligation if it’s not for you.

More about SMART Car Repair Insurance

Why do SMART repairers need insurance?

SMART repairers need specialist insurance to protect against the unique risks that come with providing SMART repairs.

Advanced technology has created faster and more sophisticated mending processes, ensuring smoother restorations. But every specialist skill comes with unique risks, which is where SMART Repairers’ Insurance earns its keep. As a SMART repair technician, you need to consider:

Insuring customers’ vehicles in case you need to move them during repair works
The value and safety of customers’ vehicles left at commercial premises overnight
What would happen if there was an accident involving a member of the public at the place where repairs are being undertaken
The value and safety of equipment, stock and any portable hand tools kept in your work vehicle – whether a van or car

Two people standing next to a car, signing a document on a clipboard while exchanging car keys.

Is SMART Repair Insurance a legal requirement?

SMART Repair Insurance in itself is not a legal requirement. However, certain elements are. SMART repairers and technicians will be legally required to have Road Risks cover and Employers’ Liability cover (should they employ staff) in place.

While other elements of this cover are not legally required, it’s usually sensible to have them in place if you want to stay protected against the risks that come with your specialist trade.

Our Criteria

You must be able to agree with the below criteria for us to provide a quote:

You and all drivers are aged 23 and upwards.
You are actively operating a motor trade business for profit or income.
You and all drivers have not been disqualified from driving nor been convicted of driving with no insurance.
You and all drivers have no criminal convictions not spent under the Rehabilitation of Offenders Act nor any criminal convictions pending.
You, any partners, directors, employees, or drivers have never had a policy cancelled, declined, been refused renewal, nor had any special terms or premium imposed.

full list of criteria

Ready to get SMART Repairs insurance?

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Frequently asked questions

Who is covered with SMART Repair Insurance for repairers?

This insurance is designed to cover those who undertake SMART repairs – repairing things like dents, scuffs and paintwork scratches. This can include repairers, technicians, repaint specialists, and PDR technicians.

How does SMART Repair Insurance for repairers work?

With Road Runner, your cover is built based on your business’ needs. Whether SMART repairs are your main thing, or just one part of your wider, overall motor trade service, we’ll get to know your business and find and arrange cover to suit you and your business.

You tell us the nature of your business, then our specialist team get to work finding the right arrangements for you. Your business will then be covered against all the agreed risks associated with your trade.

Which SMART Repairer Insurance do I need?

Typically, there are three key areas of cover that are considered to be essential for those in this trade:

Road Risks Insurance – To protect your or your customers’ cars while you’re on the move. This cover is also required by law if you drive vehicles.
Liability Insurance – If someone makes a claim against you, this policy is designed to protect you against loss, accidental damage, or injury.
Premises Insurance – Designed to cover your equipment, vehicles, buildings and more.

We can build your policy around the above three covers – ensuring you’re fully protected for the staff, stuff, and equipment that make up your business. We’ll also include key cover elements that we know you’ll need in your specific trade.

How to get SMART Repairs Insurance

We’re always happy to help you with your SMART Repairers’ Insurance needs, and we’ve made it as simple, straightforward, and transparent as possible to arrange:

Ask for a quote here
If you still have any questions, please don’t hesitate to call us on 03301 00 87 20
Or email sales@roadrunnerinsurance.co.ukwith your specific query and a member of our knowledgeable team will get back to you as soon as possible.

Your Motor Trade Insurance team

We’re proud to present a specialist team who’ll not just provide you with insurance policy options, but also get to know you and your business. So, let’s introduce:

Spanners

Branch Manager

Louise Velez

Associate Director

Lee Dicks

Sales Manager

Fidoo Etwaroo

Renewals Manager

Find out more

Our other products

Mobile Mechanic Insurance

Want to know more about how we cover the tools and vehicles of mobile mechanics? Find out what you need to know about Mobile Mechanic Insurance.

Auto-Electrician Insurance

If your specialist motor trade area is being an auto-electrician, find out more about Auto-Electrician Insurance.

Vehicle Repairs & Servicing Insurance

Whether working in a garage or from home, if you’re in repairs and servicing, find out more about Vehicle Repairs & Servicing Insurance.

ROAD RISKS

Whether you take the wheel of your customers’ vehicles or drive your own as part of your day-to-day business, Road Risks cover is for you. And that’s exactly what we offer.

LIABILITY INSURANCE

If you have people working for you or have customers regularly visiting your site, you’ll need to think about Liability Insurance. We’re here to help keep you covered.

PREMISES INSURANCE

If you work from a premises, you’ll likely have spent a lot on your tools, equipment or vehicle stock – and the last thing you want is any loss or damage. That’s where Premises Insurance can help.

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Road Runner is a trading name of Howden UK Brokers Limited, which is authorised and regulated by the Financial Conduct Authority No. 307663. Registered in England and Wales under company registration number 02831010. Registered Office: One Creechurch Place, London, EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.