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Designed to meet the specific needs of the Lexus driver, our insurance products will protect your investment, keep your Lexus in immaculate condition and could save you money.


There are three insurance products to choose from: Lexus Asset Protector covers the cost of your vehicle if it’s ever stolen or written off, Lexus SMART Cover helps keep your Lexus in pristine condition and Motor Insurance provides tailored comprehensive protection for you and your Lexus.


    Lexus Asset Protector, also known as GAP insurance, is a great way to protect your investment if your car is written off or stolen. It’s quick to arrange and should you need to claim, could provide a valuable benefit to you. Lexus Financial Services can offer you Asset Protector for up to 36 months* from the date you take delivery of your vehicle.

    If your vehicle is written off, Asset Protector could help you cover the shortfall in funds to cover the cost of a new Lexus or settle any outstanding finance.

    *Plus additional limited cover in months 37 to 48 if your vehicle is subject to a finance agreement with a term greater than 36 months.

    Asset Protector may enable you to purchase a similarly priced vehicle or alternatively pay off the amount outstanding on your finance agreement. What’s more, even if the finance settlement amount is greater than the Net Invoice Price, you don’t need to worry, as Asset Protector will cover this additional amount. For more information, please download the Asset Protector brochure or speak to your local Lexus Centre. In addition, if your vehicle is subject to a finance agreement in months 37 to 48, Asset Protector could cover any shortfall between the finance settlement figure and the Market Value if your vehicle is written off.

    An example of how Lexus Asset Protector works

    Asset Protector Insurance Graph
    Net Invoice Price £22,000
    This is the vehicle cost. The amount that you have paid, as it relates to the vehicle itself, it does not include non-dealer fitted options and extras such as the Road Fund Licence or negative equity.

    Typical Market Value £13,000
    This means that greater of: a) The value of the Insured vehicle (excluding contents) at the Date of Loss as assessed by the insurers of Motor Insurance; or b) The Market Value of the Insured Vehicle (excluding contents) at the Date of Loss by reference to Glass’s Guide Retail Value.

    Shortfall £9,000
    This is the amount that Asset Protector could pay to recover the cost of your vehicle. Please note: if the finance settlement figure is greater than the Net Invoice Price, the benefit will be calculated at the difference between the finance settlement figure and the market value. This will then be paid directly to your finance company.


    There’s a reason why your Lexus looks immaculate. The hour upon hour of Takumi craftsmanship invested, including the fine art of wet-sanding by hand, to create the unmistakable Lexus mirror smooth finish. Naturally, we want to help you keep your Lexus looking that way. After all, every Lexus deserves to be cherished, and Lexus SMART Cover is the intelligent way to help maintain its value– and your pride in its pristine condition.

    Lexus SMART (Small Motor Accident Repair Technology) Cover provides protection against all those scratches, scrapes and dents that are part of driving on today's busy roads. Even someone opening a door in a car park can damage pristine paintwork. Is it worth losing your no-claims bonus for a small repair? Using exact paint matches and a sophisticated Lexus-approved process, an experienced SMART repair technician will carry out the work at your home or place of work, whichever is most convenient. Using specialist tools and equipment, they’ll carefully repair small dents, scuffs and scrapes to help keep your Lexus’ bodywork in exceptional condition.

    Which panels of my car are covered?

    Lexus Smart Cover Diagram
    - Scratches, scuffs and dents up to 300mm in diameter and 3 mm deep.
    - Stone chips up to 5mm in diameter and 1.5mm deep.
    - Covers vulnerable panels including front and rear valances
    - Professionally repaired to immaculate standards

    • 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.

    • 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.

    • 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.


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      We’re proud of our approachable and knowledgeable finance team at Lexus, who are committed to making your experience as seamless as possible. Whether you're considering Lexus for the first time, or you're already a Lexus owner, you can expect a consistent and exceptional standard of service.