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Inchcape's vast experience in financial services over decades means we can arrange very competitive insurance products to cover you and your vehicle.


Inchcape Asset Protection

If in the past you've insured a vehicle you'll know that year on year the insured value will reduce. Should you be unfortunate enough to have your vehicle suffer a total loss by either being written off or stolen, it's a feature of Fully Comprehensive Motor Insurance to put you back in the same position as you were at the time of the loss. This would involve a loss adjustor estimating the value of your vehicle with a hopeful view of allowing you to purchase a vehicle of a similar age, mileage and specification. Our customers tell us that, in an ideal world, they would prefer to receive in settlement the original retail price of their vehicle. This would allow them to return to us and purchase a new vehicle equivalent to the one they originally purchased.

With this in mind Inchcape Retail are proud to be able to offer Inchcape Asset Protection (IAP), working in conjunction with Fully Comprehensive Motor Insurance, in the case of a total loss settlement IAP would top up the insurance company's pay out to the original retail price of the vehicle, taking into account any dealer or factory fitted options, and in addition will contribute £250.00 towards your insurance excess.

If you buy a brand new car from us, or one that is less than 6 months old with us as the first registered keeper, then we would enhance this further by replacing your car with a brand new like-for-like car, even if there has been a price increase subsequently.

Inchcape Care Tyre Insurance

In the case of a puncture, from accidental or even malicious damage, a simple phone call from an approved supplier will see a new tyre fitted as soon as possible. With lower profile and run flat tyres adding considerably to the cost of replacement, this product is suitable for everyone regardless of their mileage, after all, how many miles does it take to have a puncture? You can make five claims during the 3 years of the policy.

Inchcape Care Alloy Wheel Insurance

In the event that your alloy wheels are accidently damaged, Alloy Wheel Insurance will pay for the cost of repairs. These will be undertaken by an approved specialist repairer, with up to twelve claims allowable during the 3 years of the policy.

If the wheel is damaged beyond a cosmetic repair, we will contribute £110 for a lathe repair, or £150 towards a new wheel. As a result, not only can you enjoy the good looks of your vehicle, but you can also return the vehicle to us, in part exchange for a new vehicle, with the alloys in good condition allowing us to work hard to get the best price for your vehicle.

Inchcape Care Cosmetic Repair Insurance

With your car being your pride and joy, you will appreciate its fine lines, detailing and the beauty of its design. Unfortunately, you can’t always be there to make sure it stays safe and sound and everyday knocks and bumps are part of life on today’s roads.

Minor dents, scratches and scrapes from car parks, stone chips or other people’s carelessness shouldn’t take the shine off your car and Inchcape Care Cosmetic Repair Insurance is the perfect way to maintain your car’s showroom appearance for longer.

If your car suffers minor cosmetic damage from scratches, dents and stone chips, Inchcape Care Cosmetic Repair Insurance will arrange and pay for the cost of repair to keep your car looking fresher for longer.

Up to twelve guaranteed repairs from qualified and accredited technicians will remove scratches and dents up to 30cm long or 3mm deep and stone chips up to 1.5cm in diameter and keep your car looking pristine. during the three year life of the policy.

Defaqto 5 star rated

All Inchcape Care products provide an exceptionally high level of cover and have received the top 5-star rating by Defaqto, the UK’s leading independent financial services rating agency. This rating can be verified on the Defaqto.com comparison website under the All Star Ratings Motor Section.

Want to get in touch?

We'd be happy to provide further information about any of our products, contact us if you wish to talk over any of our products.


Inchcape Retail is authorised by the Financial Conduct Authority, our registration number is 312637. Confirmation of our authorisation can be established by contacting the FCA on 0800 111 6768 or by visiting their website.
T&Cs apply. Exclusions for each policy available upon request.