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We are currently experiencing technical difficulties with online accounts, live chat and phone lines.

We advise customers to revisit the website later today. Once services are running as expected, we expect phone lines to be busier than usual and therefore ask customers to use their online accounts where possible.   

Our teams are working to get this fixed as soon as possible. Apologies in advance for any inconvenience caused.

What is Cosmetic Repair Insurance?

Cosmetic Repair Insurance is convenient and helpful if you’re looking to protect your vehicle against scratches, scuffs and general cosmetic damages. Our insurance is available on new and used passenger vehicles under 5 years old at the start date of the policy.

How it works

We know that purchasing or leasing a car is a big commitment and the last thing you want to do is to get a scratch or a scuff on your new car. Cosmetic Repair insurance has been designed for this very reason and can cover the cost of repairs in the event that your car suffers minor cosmetic damage, such as:

  • Light scratches
  • Bumper scuffs
  • Chips
  • Minor dents
  • Minor cosmetic damage to alloy wheels.

All approved repairs come with a lifetime ownership guarantee when you use our approved repairers.

Cosmetic Repair Insurance features & benefits

  • Helps maximise your vehicle’s future part exchange or resale value
  • Combined cover for both alloy wheels and your vehicle’s bodywork
  • It can cover the cost of repair to superficial damage avoiding the need to claim on your motor insurance
  • No excess payment when claiming
  • Choice of repair solution that is most convenient for you

Cosmetic Repair Insurance contact details

You can make a claim on your Cosmetic Repair Insurance by calling GardX on 020 3325 4630 (Telephone lines are open Monday - Friday between the hours of 9:00am - 5:30pm) or send an email to


Please speak to your dealer for full terms, conditions and limitations.

Terms and Conditions:

Cosmetic Repair Insurance is available to customers of PSA Finance UK Limited. For full cover details of Cosmetic Repair Insurance please refer to the policy document or for technical queries please contact PSA Finance Insurance Administration Services on 020 3325 7231.

Insurer: This insurance is underwritten by Helvetia Swiss Insurance Company in Liechtenstein Ltd. Registered Office: Aeulestrasse 60 (2. Stock) 9490 Vaduz, Liechtenstein. The Insurer is authorised and regulated by the Liechtenstein Financial Market Authority and is deemed authorised by the Prudential Regulation Authority and subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.

Administrator: GardX Assure Limited is registered in England under company Registration Number 9339557 and is authorised and regulated by the Financial Conduct Authority, Registration Number 711212. Their registered office is at Unit 7, Clovelly Business Park, Clovelly Road, Southbourne, Emsworth, United Kingdom, PO10 8PE.

PSA Finance UK is part of the PSA Group and is responsible for arranging this product. PSA Finance UK Ltd (company registration number 01024322) registered office address is at 61 London Road, Redhill, Surrey RH1 1QA. Transactions entered into for the above-insured products are covered by the Financial Ombudsman Service dispute resolution scheme and the Financial Services Compensation Scheme.