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Cosmetic repair insurance allows drivers to protect the appearance of their vehicle, avoiding high repair bills and protecting their no claims bonus.
Welcome to Kia Cosmetic Warranty.
Your new car is probably your pride and joy. We want to help keep it that way and Kia Cosmetic Warranty is the perfect way to protect your investment and keep your car distinctive and showroom-fresh.
As part of our commitment to our customers, Kia Cosmetic Warranty has been designed to help you avoid any unexpected costs of repairing minor cosmetic damage and to help keep your car showroom-fresh for longer and maximise the resale value of your vehicle.
Why choose Kia Cosmetic Warranty?
If your car is your pride and joy, you will appreciate its fine lines, detailing and the beauty of its design. Unfortunately, you can’t always be there to make sure it stays safe and sound and everyday knocks and bumps are part of life on today’s roads. Minor dents, scratches and scrapes from car parks, stone chips or other people’s carelessness shouldn’t take the shine off your car and Kia Cosmetic Warranty allows drivers to protect the appearance of their vehicle, avoiding high repair bills and protecting their no claims bonus.
What is Minor Cosmetic Damage?
Minor Cosmetic Damage means a Chip, Minor Dent, Light Scratch or Scuffed Bumper where the total damaged area is no larger than 30cm in diameter or 3mm in depth (in the case of a Chip(s) is no larger than 1.5cm in diameter or 3mm in depth).
A Cosmetic Repair involves restoring eligible damaged areas as close as possible back to their original condition and where appropriate includes a Touch-in Repair, however no repair will be identical to the original automotive factory finish.
How can Kia Cosmetic Warranty help?
If your car suffers minor cosmetic damage from scratches, dents and stone chips, Kia Cosmetic Warranty will arrange and pay for the cost of repair to keep your car looking fresher for longer.
Guaranteed repairs from qualified and accredited technicians will remove scratches and dents up to 30cm long or 3mm deep and stone chips up to 1.5cm in diameter, helping to keep keep your car looking pristine.
Kia Cosmetic Warranty can also help maintain control on your motor insurance cost by preventing a potentially costly claim through your car insurer and helping you keep your No Claims Discount.
What is insured?
You are the registered owner and keeper of the vehicle;
You are a resident in England, Scotland, Northern Ireland, Wales or the Channel Islands; and
Your vehicle is eight years or under and has covered less than 80,000 miles at the start date of the policy.
Then during the period of insurance, we will provide a cosmetic repair or where appropriate a touch-in repair to minor cosmetic damage to your vehicle.
Minor cosmetic damage means:
- A chip which is a chipped area on your vehicle, caused in a single incident, up to a maximum of 1.5cm in diameter or 3mm in depth.
- A damaged area caused in a single incident which contains a light scratch, minor dent or scuffed bumper, up to a maximum of 30cm in length or 3mm in depth.
In the case of multiple damages being caused by the same incident, the total end to end size of the furthermost points of the combined damaged area must also be no longer than 30cm in diameter or 3mm in depth. Any repairs which are estimated to exceed 4 hours to complete will not be considered to be minor cosmetic damage.
In the event that a cosmetic repair cannot be used to repair minor cosmetic damage on your vehicle under this policy, we will contribute up to a maximum of £150 including VAT towards the cost of having a conventional body shop repair carried out whereby the minor cosmetic damage is repaired as a result
What is not insured?
This insurance will not cover Minor Cosmetic Damage:
x That cannot be defined as a Light Scratch, Chip, Scuffed Bumper or Minor Dent or any Minor Cosmetic Damage where a Cosmetic Repair is not technically possible.
x To horizontal flat surfaces, roofs, bonnets and boot tops where the repairer deems it not possible to achieve a satisfactory finish using Cosmetic Repair or Touch-in Repair techniques.
x To paint colours and finishes that cannot be suitably matched by the repairer. These include but are not limited to specialist, non-standard and exclusive paint colours and finishes, for example: self-healing paint, body wrap, chrome illusion paint, two tone paint finish or matt finishes.
x To any body panel or part of a panel that has been distorted, ripped, torn, or perforated.
x Caused by hail, rust, pitting or paintwork discolouration.
x Any repair that requires replacement of any body panel or part of a panel.
x Reported to the administrator more than 30 days after the Incident.
x Any claim where it is discovered that the policy was purchased more than 30 days following the delivery date of the vehicle.
Terms and Conditions
The insurance is provided by Motors Insurance Company Limited, Registered Office: Jubilee House, Mid Point Business Park, Thornbury, West Yorkshire, BD3 7AG. Registered in England No: 2678367.
The scheme is administered by Car Care Plan Ltd. Jubilee House, 5 Mid Point Business Park, Thornbury, West Yorkshire BD3 7AG.
The Administrator will arrange for repairs of the following Minor Cosmetic Damage to Your Vehicle using a Cosmetic Repair method:
• A Chip which is a chipped area on the Vehicle up to a
maximum of 1.5cm in diameter or 3mm in depth;
• A damaged area which contains a Light Scratch, Minor Dent
or Scuffed Bumper, up to a maximum of 30cm in length or
3mm in depth.
This policy does not cover the following: Where the vehicle is classed as a light commercial vehicle, emergency vehicle, delivery vehicle, panel van and vehicles exceeding 3500kg, or vehicles used for hire or reward (for example taxis, self-drive hire or driving schools), delivery courier or a vehicle used for any purpose in connection with the motor trade. A cosmetic repair involves restoring eligible damaged areas as close as possible back to their original condition, however please be aware that no repair will be identical to the original automotive factory finish.
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