Ford Cosmetic Repair Insurance


Your new car is probably your pride and joy. We want to help keep it that way and Ford Cosmetic Repair Insurance is the perfect way to protect your investment and keep your car distinctive and showroom-fresh.

Scratch & Debt Insurance

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 peoples’ carelessness shouldn’t the take shine off your car and Ford Cosmetic Repair Insurance is the perfect way to maintain your car’s showroom appearance for longer.

How can Ford Cosmetic Repair Insurance Help?

If your car suffers minor cosmetic damage from scratches, dents and stone chips, Ford Cosmetic Repair Insurance will arrange and pay for the costs 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 and 3mm deep and stone chips up to 1.5cm in diameter and keep your car looking pristine.

Ford Cosmetic Repair Insurance can also help maintain control of your motor insurance cost by preventing a potentially costly claim through your car insurer and helping you keep your No Claims Discount.

Who can apply?

Ford Cosmetic Repair Insurance is available:

  • If the vehicle is under 8 years old and has covered fewer than 80,000 miles at the start of the policy.
  • If the car has the standard factory supplied paint colour and finish.
  • To private individuals who are the registered owner and keeper of the vehicle and who are resident in the United Kingdom, excluding the Isle of Wight and the Islands of Scotland (including the Shetland, Orkney, Inner Hebrides and Outer Hebrides). Please note that this means that the Isle of Man is also excluded
  • The vehicle is used only for social, domestic, pleasure and commuting to and from a place of work as well as where the vehicle is insured for Class 2 business use.

Ford Cosmetic Repair Insurance -Policy summary

Policy exclusions and limits

  • Damage that is greater than the limits set out in the policy, is estimated to exceed 4 hours to repair or which is not technically possible using a Cosmetic Repair method
  • Any damage that was incurred before the policy start date
  • Any damage reported to Ford Cosmetic Repair Insurance more than 30 days after the incident.
  • Damage that has occurred to horizontal, flat surfaces, bonnets, roofs and boot tops can only be repaired using a touch-in repair which is described under Definitions in the policy document
  • Damage to paint colours and finishes that cannot be matched by the repairer, including, but not limited to, non-standard paint colours and finishes, body wraps, two-tone paint finishes and matt finishes
  • Damage to a body panel or part of a panel that has been ripped, torn or perforated
  • Damage caused by hail, rust, pitting or paint work discolouration
  • Damage to wheels and wheel trims
  • Damage to stickers, decals, beading or moulding (including protective plastic), or that requires the removal of these items
  • Damage to locks and handles, accessories, door mouldings, window mouldings, lights or any window

These are examples of the main exclusions. Details of all exclusions and all limitations are noted in the policy document.

Ford Cosmetic Repair Insurance
Policy Summary

This document contains some important facts about your Ford Cosmetic Repair Insurance policy. It is to be regarded as only a summary of cover to help assist you in making an informed purchase decision. When cover is purchased a full policy document will be provided which contains all of the terms and conditions of the policy. Please take time to read the policy document to make sure you understand the cover it provides.

Who is the Insurer?

Cover is provided by AmTrust Europe Limited. Registered Office: Market Square House, St James’s Street, Nottingham, NG1 6FG, Registered in England No. 1229676. AmTrust Europe Limited is authorised by the Prudential Regulation Authority and Regulated by the Financial Conduct Authority and the Prudential Regulation Authority. This can be checked on the Financial Services Register by visiting the FCA’s website or by contacting them on 0800 111 6768.

Who is the Policy administrator?

The scheme is administered by Car Care Plan Ltd,
Jubilee House,
5 Mid-Point Business Park,
West Yorkshire BD3 7AG

What cover does this Policy provide?

The administration 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, 3mm in depth and sits within 2 adjacent body panels.
  • 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.
  • Where Minor Cosmetic Damage cannot be repaired using a Cosmetic Repair method, an allowance of up to £150 including VAT will be payable towards a conventional body shop repair.

An area of Minor Cosmetic Damage means a Chip, Minor Dent, Light Scratch and/ or Scuffed Bumper caused by a single Incident, where the total damaged area is no larger than 30cm in diameter or 3mm in depth and, in the case of Chip(s) is no larger than 1.5cm in diameter 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 larger than 30cm in diameter and 3mm in depth. Any repairs which are estimated to exceed 4 hours to complete will not be considered to be Minor Cosmetic Damage.

Cosmetic Repair Insurance is especially useful in conjunction with Personal Contract Hire.

Callback Request
* Required fields

Keep in Touch

We would like to keep in touch with our latest important updates, product news and offers. All information provided will be used and processed in accordance with our Privacy Policy.

Yes, I want to receive important updates, product news and offers by: