GAP Insurance

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Scratch and Dent Insurance


What does this policy cover?

ALA Scratch and Dent Cover (also known as SMART Repair) will, for the duration of the policy, pay for the cost of repair resulting from minor body damage to your car. A maximum of 3 claims are permitted per annum and cover is available for up to 3 years.

Available for a qualifying vehicle bought within the last 30 days, which is under 7 years of age, has covered less than 70,000 miles and is not an excluded vehicle.

Vehicles used in any sort of competitions or rallies. Vehicles used for racing, pace making, speed testing or in reliability trials; Vehicles not listed in Glass's Guide; kit cars; invalid carriages; commercial Vehicles of more than 3500kg gross weight. Any, taxi, mini cab, driving tuition vehicle, courier or delivery vehicle of any type or any private or public rental vehicle.


This product can be bought independently without the need for a GAP Insurance policy from ALA.

Cover Features:

  • Paint chips which are less than 150mm in diameter
  • Dents not exceeding 150mm in diameter
  • Scratches less than 150mm in length
  • Paint scuffs less than 150mm in diameter
  • Can be bought independently from an ALA GAP Insurance policy
  • A Rated Underwriter – UK General Insurance Limited on behalf of Great Lakes Insurance SE
  • UK based Administrator – MB&G
  • Policy transfer – pro rata transfer of unused premium if you change your car, with no admin fees
  • A maximum of 3 claims per annum
  • Initial 14 day exclusion period
  • Policy has a £15 excess per claim
  • Off-road parking may be required to effect a repair on this policy


Am I eligible for cover?

Eligibility for cover with a Scratch and Dent Insurance Policy is shown below:

  • Cover available for cars only listed in Glass’s Guide
  • Available for qualifying vehicles bought within the last 30 days
  • Available for qualifying vehicles up to 7 years of age at the start of the policy
  • Maximum permitted mileage of 70,000 at the start of the policy
  • Your car must not have a non standard or custom paint finish
  • Cover not available in Northern Ireland


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5 Star GAP Insurance Products

Named Highly Approved Trader by Honest John More information on Defaqto Star Ratings

Independently reviewed as a 5 star GAP Insurance policy by Defaqto and winner of the H.A.T. award for excellent customer service as voted by honestjohn.co.uk readers.