FREQUENTLY ASKED QUESTIONS

• If there is more than one regular driver of my car, will they each need a separate policy?

  No. The owner of the vehicle can take out Total Loss Asset Protection and the vehicle will be covered when driven by other drivers as long as they hold a valid licence to drive the insured vehicle and are legally entitled to drive it.

• Am I covered if I drive my car abroad?

  Yes. The cover is for vehicles used principally in the UK but you are covered in any country that is a member of the European Union at the time of loss, plus Iceland, Liechtenstein, Norway, Croatia and Switzerland.

• Can I use my car for work and still be covered?

  Yes, you can use your car for work provided it does not involve hire and reward.

  Exclusions include but are not limited to, taxi, courier services and private hire. Pace making, racing, speed testing and reliability trials are also excluded

• How do I make a claim?

  As soon as possible after the incident resulting in your car being written off, you should contact the administrator of the policy, InsureThat on 0333 0444 702. They will take your details and manage the claim with you. You can also register a claim via their website at: https://lexus.insurethat.com

• How does the Lexus Total Loss Asset Protection Total Loss Assistance payment work?

  If your vehicle is declared a total loss within the period of cover and we authorise your claim (including if you are entitled to a replacement vehicle under your motor insurance policy), we will pay you £300 to help cover the extra expenditure associated with being without a vehicle.

  This benefit is payable only once under this policy.

• What is not covered by Lexus Total Loss Asset Protection?

  Dealer discounts, government grants and/or scrappage schemes; additional items that appear on the purchase invoice (e.g. paintwork protection, cherished number plate transfers, or fuel); New vehicle registration fees; Vehicle Excess Duty; Negative Equity; Modifications made to your vehicle during the period of cover.

  For a full list of exclusions, please refer to your policy documentation.

• What happens if I sell my Lexus before the end of the Total Loss Asset Protection Policy?

  If you sell your car before the end of the policy, and you’ve not made a claim, you can cancel the policy and obtain a pro-rata refund equivalent to the premium for the remaining term of the policy. The remainder of the policy is not transferable to your new car. The policy is not transferable to the new owner of your vehicle.

• Some insurers will provide me with a replacement car if I write my car off in the first year of ownership. Can I defer the start date of the policy?

  The start date will always be the date you take delivery of your new car. However, if you wrote your car off in the first year of ownership and received a replacement vehicle from your motor insurer, you could transfer your Total Loss Asset Protection policy to the replacement vehicle, subject to certain conditions.

  In this event, you could claim for the product's Motor Insurance Excess Contribution and Total Loss Assistance benefits. Please note however that each of these benefits are only payable once during the policy term.

• Can I transfer my Lexus Total Loss Asset Protection Policy to another vehicle?

  If your new car is written off within 12 months of purchase, and your motor insurer provides you a replacement vehicle rather than a monetary settlement, your policy can be transferred to the replacement vehicle subject to certain conditions. The policy cannot be transferred to another vehicle in any other circumstance.

• How long do I have to make decision on taking out Lexus Total Loss Asset Protection policy?

  You have up to 30 days from the delivery of your car to purchase the cover from your local Lexus Centre.

FREQUENTLY ASKED QUESTIONS

• How many claims can I make on my Lexus SMART Cover policy?

  There is no limit on the number of claims you can make. However, each individual claim is limited to £560, with a £3,000 claim limit total over the term of your policy.

• Do I have to pay an excess?

  Please refer to your policy wording for more information about any applicable excess on this product

• Will my motor insurance no-claims bonus be affected if I make a claim?

  No. Lexus SMART Cover is completely separate from your motor insurance policy.

• How do I claim?

  When you become aware of any minor damage, this must be reported within 30 days by contacting the Claims line on 0800 077 8713. The claims team will talk you through the simple steps to assess your claim and arrange your repair. Alternatively, use the SMART insurance app for iPhone or Android.

• Does the policy cover damage to other vehicles?

  Only the vehicle detailed on the policy schedule is covered.

• Who is covered by the policy?

  The policy covers damage to your car irrespective of the driver.

• Is the repair guaranteed?

  Yes, all repairs carried out by our approved repairers are guaranteed for the lifetime of the vehicle whilst it remains in your possession.

• Who underwrites Lexus SMART cover?

  Red Sands Insurance Company (Europe) Limited (“Red Sands”), Level 3, Ocean Village Business Centre, 23 Ocean Village Promenade, Gibraltar. Registered in Gibraltar No 87598. Authorised and regulated by the Gibraltar Financial Services Commission under the Insurance Companies Act 1987 of Gibraltar and is a member of the UK’s Financial Services Compensation Scheme:

  and Aioi Nissay Dowa Insurance UK Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, Financial Services Register number 816870. Aioi Nissay Dowa Insurance UK Limited is registered in England and Wales (Company Number: 11105895), registered office: 52-56 Leadenhall Street, London, EC3A 2BJ.

  Lexus Smart Cover is administered by AutoProtect (MBI) Limited who are Authorised and Regulated by the Financial Conduct Authority. No. 312143

• What happens if I cancel my policy?

  You can cancel your policy within the first 14 days and receive a full refund, provided no claims have been made. If you cancel after 14 days, you will be entitled to a pro rata refund, provided you have not made a claim. The refund will be subject to an administration fee of £29.99.

• What’s not covered under my Lexus SMART Cover policy?

  Damage that is bigger than the size limits stated above, damage of any kind to wheels, rims or tyres; any single claim greater than £560 and cumulative damage over £3000, any panel that is ripped, holed, torn or perforated; damage to beading, moulding, glass, lights or decals, and any damage that occurred before the policy start date and any damage other than a stone chip to the bonnet, boot lid or the roof.

  Please check your policy wording for full details and any current exclusions.

• Can I transfer my Lexus SMART Cover policy?

  Yes, the remaining term of your policy can be transferred to an eligible replacement vehicle if you sell the original. There is administration fee of £29.99 to complete the transfer.

• How can I get Lexus SMART cover?

  Lexus SMART cover can be purchased from participating Lexus Centres when ordering a new or used vehicle. Cover cannot be purchased after you’ve taken delivery of your vehicle.