Car insurance costs have been rising across the UK, with many drivers now paying hundreds more each year. However, there’s a cost-effective way to save time and money that many car owners in Tunbridge Wells don’t know about – using mobile car body repairs instead of making insurance claims for minor damage.
What Are Mobile Smart Repairs?
Mobile smart repairs are small, targeted fixes that come straight to your driveway or workplace. At Smart Fix Autos, we specialise in high quality mobile car paint repair and dent repair services without the need for expensive traditional body shops. Most repairs are completed within a few hours at a fraction of the price.
Smart repairs work well for:
- Car park scratch repairs
- Scratches, bumper scuffs, and minor paint damage
- Small stone chips needing car paint repair
- Door dings and dent repair
- Kerb damage requiring alloy wheel repairs
- Bumper repairs for scuffs and cracks
Our mobile car body repair service uses advanced medium area repair technology to restore your vehicle.
Why Insurance Claims Cost More Than Smart Repairs
Making an insurance claim for minor damage often costs more than just paying for the repair yourself. Even if you’re not at fault, you’ll have to pay the excess if you claim on your insurance.
Most car insurance policies have an excess ranging from £150 to £500 or more, depending on your age and driving experience.
The Real Cost of Small Claims
If you have a £300 excess and your bumper gets a scuff that costs £200 to repair with mobile car paint services, you can’t make a claim because the repair costs less than your excess.
Even if damage costs more than your excess, there are hidden costs:
Your No Claims Bonus: Making a claim affects your no claims discount, increasing premiums for years.
Future Premiums: Claims can impact future insurance premiums as insurers view you as a higher risk.
Time and Hassle: Insurance claims involve paperwork and waiting times that take weeks.
Real Examples: Smart Car Body Repair vs Insurance
Car Park Scratch
- Insurance route: Pay £250 excess + lose no claims bonus + higher premiums
- Mobile car paint repair route: £80 expert car repair, completed in 2 hours
Bumper Scuff Damage
- Insurance route: Pay £400 excess + potential premium increase
- Smart car body repair route: £150 mobile repair using high-quality materials
Alloy Wheel Kerb Damage
- Insurance route: Can’t claim as the damage is less than the excess
- Alloy wheel repairs route: £60 mobile repair, prevents further damage
Why Choose Mobile Car Body Repairs in Tunbridge Wells?
Our expert car repair specialists offer several advantages:
Speed: Most paint repair services are completed within a few hours.
Cost Effective: For minor repairs, it’s much more economical than insurance claims.
High Quality Results: Our mobile car paint repair specialists use professional techniques ensuring perfect matches.
Convenience: Our mobile car body repair service comes to you in the surrounding area.
No Insurance Impact: Your premiums and no claims bonus stay the same with smart repairs.
We highly recommend getting a quote before making an insurance claim. For more information about our smart repairs in Tunbridge Wells, visit our service page.
When Should You Use Insurance?
Smart repairs are perfect for repairing car scratches, dent repair, and bumper repairs. However, insurance is still important for:
- Major accidents with structural damage
- Large areas beyond mobile car paint repair
- When someone else is clearly at fault
- Theft or vandalism
- Write-offs or serious collisions
According to Citizens Advice, when you pay the excess for a car accident which isn’t your fault, you may need to claim this back from the other driver’s insurance company.
Making Smart Choices About Car Repairs
Before calling your insurance company, ask yourself:
- Is the damage suitable for mobile car paint repair?
- Would scratch repairs or dent repair cost less than my excess?
- Can I afford to pay for the repair myself?
- Do I want to protect my no-claims bonus?
If you answered yes, our expert car repair service is your best option.
Get Your Free Quote Today
Smart Fix Autos provides high-quality mobile car body repairs across Tunbridge Wells and the surrounding area. We use medium area repair technology to perfectly match your car’s original paint.
Our paint repair services include mobile car paint repair for scratches, bumper repairs for scuffs, alloy wheel repairs for kerb damage, dent repair using specialist techniques, and smart car body restoration.
Don’t let minor damage force you into an expensive insurance claim. Our cost-effective mobile car body repair service saves you time and money while protecting your car and wallet.
Ready to save time and money? Contact Smart Fix Autos today for a free quote. Our expert car repair specialists will assess your damage honestly.
We highly recommend comparing our paint repair services with your insurance excess before making a claim. Visit our smart repairs service page to learn more about our options in Tunbridge Wells and the surrounding area.