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● Up to 6 repairs a year

AA Cosmetic Insurance

Someone else’s mistake shouldn’t be your repair bill. Get scratches, scuffs and small dents fixed at home or work – without touching your car insurance.

Already have a quote? Retrieve your quote
Scratched rear bumper next to a supermarket trolley
Up to 6 claims a yearFix things as they happen
No excessNothing to pay when you claim
Repairs at home or workA SMART repairer comes to you
Protect your no-claimsKeep small repairs off your insurance

What is Cosmetic Insurance?

However careful you are, scratches, scuffs and small dents happen – a trolley in the supermarket car park, a careless door, a tight space. Fixing them can be surprisingly expensive, and they can mean charges when you hand back a car on PCP or lease.

AA Cosmetic Insurance covers the cost of SMART repairs to minor damage, carried out by a mobile repairer at your home or work, with no excess and no impact on your main car insurance.

  • Scratches & scuffs
  • Small dents
  • Key vandalism

What is SMART repair?

Small Medium Area Repair Technology

Instead of respraying whole panels, SMART repair fixes just the damaged area – it’s quicker, it can be done at your home or work, and it keeps your car looking its best.

Minor damageScratch, scuff or dent
›
We come to youHome or work
›
Looking its bestNo excess to pay
Supermarket trolley next to the rear of a white car

Someone else’s mistake. Not your repair bill.

Car park dings and scrapes are part of everyday driving – but you shouldn’t have to pay to put right damage you didn’t cause.

6repair claims a year, with no excess to pay.

Most cosmetic cover is sold at the dealership when you buy a new car. With AA you can buy it at any time, for new or used cars – including private sales.

Get a cosmetic insurance quote

What’s covered?

Cover for minor cosmetic damage, fixed by a mobile SMART repairer at a time that suits you.

What’s included

  • Scratches and scuffs
  • Small dents
  • Key vandalism
  • Damage across multiple panels, up to 30cm in length
  • Damage caused by you or a third party
  • Up to 6 repair claims a year, with no excess

Good to know

  • Available for most cars up to 5 years old and under 96,000 km
  • Policies from 1 to 3 years
  • Damage present before your cover started isn’t included
  • Full limits and exclusions are in the policy documents

Full terms, limits and exclusions are in the Cosmetic Insurance policy documents.

Covered in three simple steps

1

Enter your reg

We’ll find your car and check it’s eligible.

2

Choose your cover

Pick a policy length from 1 to 3 years.

3

Claim when you need to

Send us a photo of the damage and a repairer will come to you.

Why choose AA Cosmetic Insurance?

No excess

Nothing to pay when you make a claim.

Protect your no-claims

Keep small repairs off your car insurance.

We come to you

SMART repairs at your home or work.

Hand back with confidence

Avoid damage charges at the end of PCP or lease.

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Make a claim

Already have AA Cosmetic Insurance and need to make a claim?

Enter your registration number to start your claim, or click here to begin. We’ll guide you through it step by step.

  • Claim online in a few minutes
  • Upload photos and documents as you go
  • Track progress from your account
Prefer to talk? Call our claims team on 01 234 5678

Cosmetic Insurance FAQs

What is Cosmetic Insurance?
It covers the cost of repairing minor cosmetic damage to your car – scratches, scuffs, small dents and key damage – using SMART repair at your home or work.
Why not claim on my car insurance?
You’d usually have to pay an excess, and claiming could affect your no-claims bonus. For small repairs it often isn’t worth it – Cosmetic Insurance keeps them separate.
How many times can I claim?
Up to 6 times a year, with no excess to pay.
What size of damage is covered?
Minor damage, including scratches up to 30cm in length that extend across more than one panel. See the policy documents for full limits.
Can I buy cover for a used car?
Yes – for new and used cars, including private sales, as long as the car is eligible.
How much does Cosmetic Insurance cost?
It depends on your car and the length of cover you choose. Enter your registration to get a quote.

Keep your car looking its best. Get a quote today.

Enter your registration to see your price – it only takes a couple of minutes, and there’s no obligation to buy.

Already have a quote? Retrieve your quote