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Smart Insurance from Sturgess Motor Group in Leicester

What is Minor Damage Insurance?

Damage to your vehicle can occur through every day use, it’s unavoidable. However, taking out minor damage insurance with Sturgess covers against repairing small dents, chips, scratches and scuffs. This not only gives you peace of mind but also helps keep your vehicle in excellent showroom condition.

At Sturgess, we believe that our responsibilities don’t simply end the day you drive off our forecourt. This insurance is designed to help keep your car in pristine condition without compromising your main car insurance no-claims bonus.

It’s economical and easy to use with a simple claims process, rapid claims handling and convenient and speedy repairs – at your home or place of work; you decide.

Did you know?

  • 32% of all 15 and 65-plate accidents happened within just two months of ownership and 80% of vehicle owners will suffer some form of minor damage within the first 12 months of ownership.1
  • Parking-related incidents now account for more than 30% of all accidents and the average cost of accident repairs is £2,050.2
  • The average loss when trading in an old vehicle for a new one, due to “fair wear and tear”, is £618.3
  • Motor Insurance Premiums are on the rise, with the average premium costing £716, while the average excess is more than £350.4


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How Smart Insurance will benefit you

  • Helps maintain vehicle condition – 80% of cars suffer minor repairable damage in first year.
  • Helps maintain trade-in value – average loss on part exchange from minor damage is £614.
  • Repairs are finished quickly so you are not long without your car.
  • You can use your car as soon as the repair is finished.
  • Policy can be transferred to your next car.
  • Protects your no-claim bonus.
  • Easy and quick claims process.
  • Top quality repairs with life time guarantee.
Smart Insurance covers minor repairs

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Smart Insurance

What’s covered?

Minor body damage as follows:-

  • Scratches; up to 30cm diameter, 3mm depth.
  • Chips; up to 3mm diameter, 1.5mm depth
  • Dents; up to 30cm diameter, 3mm depth.
  • Scuffs; up to 30cm diameter, 3mm depth.
  • Three year cover. £3,000 aggregate claim limit across term.
  • Individual claim limit of £500

Smart Insurance Brochure


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Simple claims process

Claims can be made 24 hours a day, 7 days a week either online or via our Smartphone app which is available to download on both Apple and Android phones. No paperwork is necessary and claim confirmation is within 24 hours. The average time from claim to repair is 20 working days.

All you need to do is:

  1. Tell us where the damage appears on the car.
  2. Tell us how big the damage is.
  3. Upload or email us a photo of the damage.
  4. Chose a repair date and location.
  5. Relax and wait for the repair to be carried out.


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Quality repairs

Repairs are undertaken at a location of your choice – home or work – by our Shine technicians using methods and products that are fully OEM approved. This means that they will not invalidate car manufacturers’ paint warranties.

Shine is a solely owned mobile repair operation covering the UK. Its technicians are company employed and are fully equipped to undertake on-site repairs to the highest standards with lifetime guarantees.


Our minor damage insurance is part of our Sturgess quality service to help you maintain hassle free vehicle ownership.

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1: According to Accident Exchange and results from an independent SMART Insurance survey

2: According to Accident Exchange

3: Results from independent SMART Insurance research

4: According to Confused.com