H&H Motors Protection Options

SMART INSURANCE

• our SMART insurance policy provides a small body repair system that will keep your vehicle in showroom condition, without compromising your no-claims bonus.
• the policy ensures your vehicle remains free from chips, minor dents, light scratches and scuffs.
• if your claim is outside the parameters for Smart Insurance and cannot be fixed under these guidelines, there is a €250 contribution towards the cost of any individual body shop repair.

Benefit from the SMART insurance way

• 36 months’ cover
• keep your vehicle in showroom condition
• safeguard you no-claims bonus
• repairs guaranteed for as long as you own the vehicle
• friendly and convenient claims centre
• could help improve your vehicle re-sale price
• unlimited number of claims
• aggregate claim benefit of €3,000

SMART Insurance covers

• private vehicles up to 36 months
• €3,000 benefit for cover against:

- dents not exceeding 15cm in diameter
- scratches not exceeding 15 cm in length
- chips not exceeding 1.5mm in diameter

- bumper scuffs not exceeding 15cm in diameterre ...

SMART insurance policy excludes

• panel replacement
• stickers and decals
• beading and moulding
• third-party liability cover
• replacement bumpers
• cracked or dented bumpers

GAP INSURANCE

If your vehicle is written off or stolen before you finish paying the finance on it, your car insurance payouts may not be enough to repay what you still owe and replace your vehicle with another vehicle of equivalent value. Guaranteed Asset Protection (GAP) is designed to cover this financial gap.

​Financial peace of mind in case your car is written off or stolen.

If you become one of the unfortunate motorists to have their vehicle stolen where the vehicle is not recovered or becomes involved in an accident where the vehicle is beyond economical repair, then you could find yourself in a dilemma.

GAP Insurance protects you in the event of a total loss due to:

• accidental damage
• fire
• theft

what does GAP insurance cover?

this insurance product will complement your motor insurance by covering the gap between the value of your car and the pay-out made by your insurer.

GAP Insurance Return to Invoice (RTI) : bridges the financial gap between the total loss payment that you receive from your motor insurers and the amount you originally paid for your vehicle. Return to Invoice Insurance covers your Motor Insurer pays out and the Net Invoice Price you paid for your vehicle, up to the maximum shown on your policy schedule.

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KEY INSURANCE

​why do I need it?

lost or stolen car keys can be an extremely expensive inconvenience.

all car keys since 1995 have to be fitted with a transponder chip (linked to a vehicle immobiliser) but this advanced technology means the average cost of replacing a car key is around €300.

if your house keys are on the same fob as your car keys, you have the extra hassle and expense of changing your home door lock too, but this will be covered by your key insurance policy.

what does key insurance cover?

HOME & CAR COVERED

any key to any external door to your home, or vehicle including electronic key fobs and immobiliser keys.

EXPERTS

access to a nationwide network of locksmiths.

PROTECTION

your no claims discount on your main home or motor insurance policy won’t be affected.

REPLACEMENTS

replacement of insured keys where you have access to duplicate keys.

NO EXCESS

there’s no excess to pay.