SMART Protect Plus insurance from AutoProtect

1. What is SMART Protect Plus
Insurance?

2. Background
AutoProtect’s Background
 AutoProtect is 50% owned by Capricorn
Ventures International the venture capital arm
of Hollard and the remaining 50% owned by
management.
 AutoProtect is a niche provider of motor related
insurance products and services.
 AutoProtect is fully approved as a specialist
administrator by insurers.
Who Are Hollard?
 South Africa's largest independently owned
insurance group.
 South Africa's 3rd largest general insurer, group
net assets in excess of £1bn.
 Specialist partnership based insurer.
 One of the largest underwriters of motor
warranties.

3. People
AutoProtect has experience across a multitude of
the insurance and motor trade backgrounds, we
have expertise from dealership and workshop
management to underwriting and actuarial skills
Head Office Support
 Sales, Customer Services – NVQ qualified
customer service staff.
 Claims Handling – all claims staff are
experienced in dealing with SMART Insurance
claims
 Marketing Support – we will design POS
material to enhance your brand.
 AutoProcess help desk – dedicated team
available to resolve any AutoProcess issues
 Management Information – able to tailor
reports to your requirements.
 Underwriting – able to source the innovative
and market leading products to assist you in
driving your business forward.

4. AutoProtect Current Clients
Some of AutoProtect’s existing SMART Protect customers
Dealer Groups
Manufacturer Relationships

5. SMART Protect
Scuffs, dents, chips and scratches these types of
minor damage occur regularly to your customer’s
vehicles.
Most customers would have experienced
“parking” damage carried out by a third party.
Customers can contact their motor insurer to have
the damage repaired, but this would attract their
insurance policy excess, effect no claims bonus
and possibly increase premiums for subsequent
road risk, insurance cover.
The alternative for the customer is to leave the
damage unrepaired and this will affect the part
exchange price when the vehicle is traded
in..........with you!

6. SMART Protect – The Facts
Proven, unrivalled experience working with both dealerships,
manufacturers and customers since the creation of the Smart
Insurance product
 Over 15,000 completed customer SMART repairs
 Continuous product development
 First to bring the SMART Protect insurance product range to UK
market
 History of product development specific to individual client
requirements
 Market leaders in product innovation and design
Insurer – AMTrust Europe Limited
 Standard & Poor’s “A” Rated
 Fully experienced in SMART Protect insurance since inception in
the UK
 Proven competitive and sustainable underwriting and dealership
pricing
Repairer Network
 Lifetime guarantee on repairs
 Fully retail focussed customer experience
 Fully auditable repair and claims process
 Employed and uniformed network of repairers

7. SMART Protect – The Facts
Claims
We have worked with the following manufacturers to develop a claims process that is
aligned with their corporate standards
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Mercedes Benz
Jaguar
Land Rover
Alfa Romeo
Fiat
Chrysler Jeep
Subaru
Isuzu
Unrivalled UK based claims experience
 Refined and robust claims process
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No digital pictures
Customer focussed process
FSA “Treating customer fairly” culture
Less than 1% non‐repair at customer appointment
4 years of CSI data
Support
 Launch and development training tailored to individual requirements
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“Train the trainer” modular training available
Full dealership training material
POS and sales support material
Full MI reporting
Full integration with dealer management systems

8. Customer Benefits
 The insurer will pay for the cost of repairs resulting from
accidental minor damage.
• Covers minor dents, chips, light scratches and scuffed
bumpers
 Keeps the vehicle in the condition that it was purchased
 Repairs up to £3000 in aggregate (inc. VAT)
 Term – 12, 24 & 36 month single premium or premium funded
 Covers cars used for social, domestic pleasure and commuting
to/from work
 Convenient mobile repairs
 Protects the customer’s No Claims Bonus
 Maintains the value of the vehicle for the customer
 All work carried out is guaranteed for 3 years
 Repairs do not invalidate the vehicle warranty and will help
reduce costs to customer at time of defleet (if car is to be
returned)

9. Customer Benefits – Alloy Wheel
 The insurer will pay for the cost of repairs resulting from
accidental scuffed damage to the alloy wheels. The insurer will
pay for their specialist repairer to effect repairs to the alloy
wheel to their best endeavours.
 The maximum claim for any alloy wheel repair is £100 per
individual wheel.
 Repairs up to £1,000 in aggregate (incl. VAT).
 Term ‐ 12, 24 & 36 single premium, or regular monthly
payments.
 Wheel Repairer ‐ National repairer network is Wheel Wizard
[mobile repairers] or Dealers approved bodyshops who have a
static wheel jig and wish to have the repairs go through the
approved body shops at the same rates as the mobile repairer.
 Claims to be reported within 4 working days of the damage
occurring (this reduces the risk of oxidisation and allows the
repairs to be guaranteed for 3 years).

10. What is covered?
New & Used vehicles
Minor dents not exceeding 15 cm diameter
 Damage to a metal body panel not exceeding
15 (fifteen) cm in diameter and where such
panel has not been ripped, perforated or torn.
Light scratches not exceeding 15 cm in length
 Damage to the vehicle body panel not
exceeding 15 (fifteen) cm in length and not
extended over more than 2 (two) adjacent body
panels.
Chips not exceeding 1.5 mm in diameter
 Damage to the painted vehicle not exceeding
1.5 (one and a half) mm in diameter.
Scuffed bumpers
 Scuffs to the painted bumpers not exceeding
15cm (fifteen) in diameter.
Scuffed Wheels
 Accidentally scuffed alloy wheels where damage
is assessed as being repairable within the limits
of the cover.
Claims will only be undertaken if the repair can be
achieved to an invisible standard using SMART
repair technology

11. Exclusions
Bodywork damage
 Excludes vehicles used for business use other than journeys to and from a permanent
place of work.
 This product is not available for vehicles exceeding 3500kg, excludes motorcycles,
scooters, three wheeled vehicles, quad bikes, caravans or motor homes, trailers, boats
 Use of vehicles for hire or reward (e.g. taxis, self‐drive hire or driving schools),
delivery courier fleet users
 Vehicles used in any sort of rally, speed‐testing, racing of any kind or
competition or trial
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Damage reported more than 14 days after discovery
Any damage caused by or to stickers or decals
Damage caused by third party which caused bodily injury
Beading, moulding, locks and handles and any repair involving accessories, door
mouldings, window mouldings, lamps of any sort or any window panel
 Cracked or dented bumpers
 This policy does not cover any consequential loss
 For any individual claim made in excess of £3,000 the whole of the claim will be
Alloy wheels
 Vehicles over 5 years old or vehicles that have covered more than 100,000 miles
 Vehicles over 3,500kg Gross Vehicle Mass
 Damage caused by a third party whilst carrying out general maintenance including tyre
changing, damage present at the commencement of policy and damage which cannot
be repaired due to a previous repair
 Wear and tear and neglect
 Any commercial vehicle, any vehicle used for business use (other than to and from a
permanent place of work), emergency vehicles, taxi, bus, truck, heavy goods vehicle,
motorcycle or any vehicle used for hire and reward, rental, dispatch, road racing,
rallying pace making, speed testing or any other competitive event
 Theft of alloy wheels
 Claims made more than 4 working days of the accidental damage occurring
 Alloy wheels with chrome effect finish, diamond cut or split rim construction or
painted with custom, individual colours;

12. Limits of Damage
Not to scale

13. Keyfacts
Summary of Cover
This summary of cover is provided for ease of reference. It does not contain the full terms and conditions of the policy. For full details of all your policy
benefits and the complete terms and conditions, please refer to the policy document.
What is Alloy Wheel Protection
Alloy Wheel Protection covers the cost of repairs resulting from accidental damage to alloy wheels.
Name of Insurer
The insurer is AmTrust Europe Limited registered office 10th Floor, Market Square House, St James’s Street, Nottingham NG1 6FG. AmTrust Europe
Limited is authorised and regulated by the Financial Services Authority. You can check this information on the FSA register by visiting
www.fsa.gov.uk/register, or by contacting the FSA on 0845 606 1234.
Key Features and Benefits
Covers accidental damage to the vehicles alloy wheels caused by kerbing, scuffing, chips and scratches. Repairs up to £100 per wheel. Conditions:
You should take all reasonable steps to maintain the alloy wheels on your vehicle. The policy is non transferable. You will be responsible for;
― any repair commenced or carried out without prior authorisation; (2) costs incurred in the event the reported damage exceeds the claim limits,
and (3) any repair work completed by the repairer that falls outside the scope of this policy. Exclusions:
―Vehicles over 5 years old or vehicles that have covered more than 100,000 miles
―Vehicles over 3,500kg Gross Vehicle Mass
―Damage caused by a third party whilst carrying out general maintenance including tyre changing, damage present at the commencement of
policy and damage which cannot be repaired due to a previous repair
―Wear and tear and neglect
―Any commercial vehicle, any vehicle used for business use (other than to and from a permanent place of work), emergency vehicles, taxi, bus,
truck, heavy goods vehicle, motorcycle or any vehicle used for hire and reward, rental, dispatch, road racing, rallying pace making, speed
testing or any other competitive event
―Theft of alloy wheels
―Claims made more than 4 working days of the accidental damage occurring
―Alloy Wheels with chrome effect finish, diamond cut or split rim construction or painted with custom, individual colours;
Claim limit
Maximum individual claim limit £100 per individual wheel. Please see proposal/schedule for aggregate claims limit.
Duration of Cover
As quoted on the proposal/policy schedule. NB Policy schedule/proposal form must be signed and dated.
Cancellation
If this policy is cancelled within 14 days of purchase or policy start date (whichever the sooner) and no claim has been registered, the Dealer supplying
the AutoProtect product will refund the premium paid in full. If a claim has been made on the policy NO refund will be issued. This policy has no
surrender value and in all other circumstances, cancellation is without refund.
What to do in the event of a claim
Telephone the claims line number on 0871 384 1168 within 4 working days of the damage occurring
Please have your policy type and number ready to quote along with full details of the damage. This will ensure that your enquiry will be dealt with
promptly.
Complaints
If you wish to complain to AmTrust Europe Limited please contact: The Managing Director, AmTrust Europe Limited, 10th Floor, Market Square House,
St James’s Street, Nottingham NG1 6FG. You retain the right to refer your complaint to the Financial Ombudsman Service. This policy is subject to the
laws of England and Wales.
Customer Compensation
AmTrust Europe Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if
they cannot meet their obligations. This depends upon the type of insurance and circumstances of the claim. Most insurance contracts are covered for
90% of the claim. Further information about compensation scheme arrangements is available from the FSCS on the web at www.fscs.org.uk or by
contacting the FSCS on 0207 892 9300.

14. Claims Process
 Unlimited number of claims
 SMART repair ‐ Maximum cumulative claims limit £3,000 inc VAT
 Alloy repair – Maximum cumulative claims limit £1,000 inc VAT
 Customer £25 excess per successful repair (optional excesses
and excess free policies are available)
Customer checks that the minor damage
on the bodywork fits within the
template (supplied). Alloy wheels should
not be cracked or dented.
Customer calls the claims hotline 0871 384
1168 (within 14 days of the bodywork
damage occurring, 4 days alloy damage)
Authorisation given to our repairer to
contact the customer
Our repairers contact the customer to
make a customer convenient
appointment

15. The Repair Process
The staff
 Specialist and experienced staff only
 3 month mandatory customer handling training
 All staff are fully employed
 Internal staff targets centred around quality not
quantity
 CSI focussed package
The repair
 All repairs guaranteed for 3 years
 Only repairs that can be completed to an
invisible repair standard will be acceptable
 Contaminated land 2000 Compliant
 Compliant to all COSHH regulations
 All products conform to ECO regulations
The customer experience
 Timed (password protected) appointments
 Nationwide service
 Fully uniformed personnel
 All repair vehicles have corporate identity
 A completely retail focused experience

16. Customer Testimonials
“Your repairer visited me today to repair scratches on the rear
bumper bar and chips on the leading edge of the bonnet of my
Mercedes C‐class estate. I was delighted with the quality of his work
and his professional, friendly manner. It was a pleasure dealing with
him.”
Cambridge, June 2012
“A dent on our brand new car was repaired on 23rd May . This email
is just to provide you with feedback that the job was done extremely
well with professionalism and courtesy.”
Dr DK, May 2012
“ S.... repaired our car on Friday 10 am ‐ he was professional, polite,
clean and tidy and it was a pleasure dealing him and with your
company. The communication was excellent – S.... updated me on
the time of his arrival the evening before the appointment and
during his journey. This was appreciated. I would highly
recommend your company.
Great Customer service.
Keep up the good work......
TC , June 2012

17. Point of Sale
Video
Leaflet
Template (dealer use only)

18. Regulation
SMART Insurance is regulated as a General Insurance product by
the Financial Services Authority.
SMART Insurance will become part of your general insurance sales
process and so appear in both your Terms of Insurance Business
Letter (Initial Disclosure Document) and also your Statement of
Demands and Needs (whether this be a paper‐based or electronic
version)
Individual Compliance:
Your current compliance provider will add the necessary individual
training that must be completed by each person to evidence
competence with the product
FSA Process
The product will be added to your compliancy process with any
recommendations in line with customer needs and eligibility,
through your existing demands and needs.

19. Thank you for your time
www.autoprotect.net