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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 Total Loss Asset Protection assists you in getting back what you paid for your car if it’s stolen, or written off in an accident, fire or flood; Lexus SMART Cover helps keep your Lexus in pristine condition and Motor Insurance provides tailored comprehensive protection for you and your Lexus.


    Lexus Total Loss Asset Protection is a great way to protect your investment in the unfortunate event that your car is written off. It’s quick and straightforward to arrange and should you need to claim, could provide a valuable benefit to you.

    What could happen if your car is written off?
    If your car is written off as a result of an accident, fire or theft, your motor insurance company may only pay out the current market value for your vehicle.
    The current market value is likely to be less than the amount you paid for the vehicle and if you have finance it could be less than any outstanding finance settlement. This could leave you with the problem of having to find extra funds to get you back into the driving seat of a new Lexus or pay off your finance agreement.
    To protect you from this situation, if it arises, Lexus Financial Services can offer you Lexus Total Loss Asset Protection for up to 3 years' cover (36 months) plus additional cover for any finance shortfall after the initial term (up to 12 further months) to match the term of your finance agreement.

    Lexus Total Loss Asset Protection helps you cover the shortfall in funds to cover the cost of a new Lexus or settle any outstanding finance, as well as a £300 contribution towards any incidental costs you might incur by way of a Total Loss Assistance Payment. ‡

    What's included?
    • Up to 3 years' cover (36 months) plus additional cover for any finance shortfall after the initial term (up to 12 further months) to match the term of your finance agreement.
    • Vehicles with a Net Invoice Price* up to £100,000 with no maximum claim limit up to the Net Invoice Price* of your vehicle.
    • A payment of up to £250 as a contribution towards your Motor Insurance Excess≠.
    • £300 Total Loss Assistance payment to help with any incidental expenses connected with your total loss‡.
    • Factory and Dealer fitted Accessories.
    • Finance Deposit Allowances (a discount offered by Lexus Financial Services on certain makes and models from time to time).
    • Unlimited mileage

    For a full list of what is and is not covered, please refer to the policy wording. Some exclusions are listed below under the frequently asked questions section.

    † The Net Invoice Price* the amount that you have paid for the vehicle itself, excluding non-dealer fitted options and extras such as the road fund licence, or negative equity.
    ‡ Total Loss Assistance is paid as part of your claim and only paid once during the term of the Lexus Total Loss Asset Protection policy.
    ≠ Motor Insurance Excess Contribution is the amount stated on your certificate of motor insurance up to a maximum of £250.

    An example of how Lexus Asset Protector works
            Asset Protector Insurance Graph

    Original Net Invoice Price £22,000
    Value of car at the time it's written off £13,000
    Motor Insurer pays £13,000
    Lexus Total Loss Asset Protection pays
    Plus Total Loss Assistance pays
    Customer pays £0*

    *Your motor insurer may charge you an excess when you make a claim on your motor insurance policy for which Toyota Total Loss Asset Protection would contribute up to £250.

    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.

    For more details please see Total Loss Asset Protection [TLAP] Privacy Notice

    • 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.


    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 those scratches, scrapes and dents that are all part of driving on today's busy roads. Even someone opening a door in a car park can damage your 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 bumpers and front and rear valances.
    - Professionally repaired to immaculate standards.

    Lexus SMART Cover also offers a £250 body shop contribution in the event an eligible area of damage cannot be repaired at your chosen location using minor cosmetic damage repair technology.

    For a full list of what is and is not covered, please refer to the policy wording. Some exclusions are listed below under the frequently asked questions section.

    • 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.

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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.