GardX Group Bewertungen 

I purchased a GardX cosmetic repair insurance policy believing it would provide straightforward cover for minor paint damage.
When I attempted to submit a claim for a small stone chip on my BMW X5 on 22 February 2026, the online claims portal repeatedly failed and instructed me to contact customer services instead.
From that point onward the experience became extremely frustrating.
Over the following weeks I:

• Sent multiple emails to GardX
• Provided all requested claim details
• Supplied the requested photographs several times
• Dealt with two different claims handlers

Despite complying fully each time, I repeatedly received template responses asking for exactly the same information that had already been supplied.
It took numerous follow-ups simply to obtain a decision.
The claim was eventually declined on the basis that the chip is located on the A-pillar, which GardX classify as a “roof pillar” and therefore excluded from cover.

While customers can form their own view on that interpretation of the policy wording, my primary concern is the extremely poor claims handling and communication.
The process involved:
• A non-functioning online claims portal
• Multiple follow-up emails just to obtain a response
• Repeated requests for the same information and photographs
• Several weeks to reach a decision

For a product marketed as providing quick cosmetic repairs without affecting your main motor insurance, the claims process has been unnecessarily difficult and time-consuming.
One genuine question arising from this experience: if the bonnet, roof and pillars are excluded areas for stone chip repairs, what exactly does the policy realistically cover? Those are the areas where stone chips most commonly occur on a vehicle.
Given the handling of this case, I have now submitted a formal complaint and am considering referring the matter to the Financial Ombudsman Service for review.
Based on this experience, I would strongly advise anyone considering this type of cosmetic repair insurance to carefully review the exclusions and the claims process before purchasing.

We took out GuardX with our new car September 2024. They struggled with matching the paint when we needed a touch up. Took 2 different guys to sort it. Taking over a month to get them to do it properly. If that wasn't bad enough when we tried to use them on the alloys, the first guy said it couldn't be done. So we called back to get the other guy back who did a good job. However just tried to use them again and told it can't be done due to matching the smoke effect. They are trying to fob us off with £150 towards going to a proper company to do it. We got 3 quotes all over £180 needing the car for 2 days. The insurance isn't fit for purpose. If they can't colour match they shouldn't offer it from the showroom. We now have Hendy trying to use their contact to sort the issue. As ordered a new car and we've told them we don't want the GuardX cover.
Save your money, find a different company, GuardX are slow and not fit for purpose.

The tyre cover is not worth it. I had a puncture and got my car to a Kwik fit (their preferred garage) just to find gardx hadn't paid their bills so Kwik fit wouldn't replace the tyres for free. When I tried to claim it back from gardx they have fought it all the way and now they've gone silent. Avoid this company!!!

The garage messed up the paintwork doing this and it’s never really been sorted . Never again

Superb service from GardX. Warranty work carried out to an excellent standard and it was really helpful also to get tips and advice from Alan the expert technician who carried out the work. From start to finish it was a professional and yet also personal service. Highly recommended.

To claim for tyre replacement is so difficult and awkward and the helpline offer no assistance and the attitude is that's our process like or leave it.
Submitted a video of the tyre damage from the main dealer where we bought the car (and the policy) to be told they were not qualified to provide the required details. We had 3 tyres with screws in and were told we had to raise a claim for each individual tyre even though the evidence (video) was all in one!
Total shambles and feels like its designed to frustrate the customer so much they don't bother claiming.

I took out Alloy Wheel cover when I bought my car and was told about how easy the procedure is when making a claim. On trying to make a claim soon found out how hard it is to make a claim. Told that if I did not have a driveway then they could not come out to my home address and that I had to find a suitable place with access to an electrical point. I eventually contacted the company I bought the car from and they said they could use their ground. Called back to GuardX and confirmed this, they then rang back to say that the company they use in my area does not have a lathe on the vans so can only paint over the damage to the wheel, this is not what I consider to be a repair just a cover up. If I had known this on taking out the policy I would never have agreed to paying the extra money! What a rip off!!

I had some issues with a dealership with the application of the GardX and preparation.
I contacted Vic from gardx who passed me onto Alan.

They both stepped up very professionally and sorted the issue above and beyond expectation.
With a personal visit from Alan to inspect the car and come up with a plan to sort out problems the car dealer had created.

GardX themselves believe in there products and think out the box on giving a product that does give peace of mind too us car owners.
The car looks like a new pin and the aftercare pack was explained in detail.
Not like the dealer who just chucked it in the boot of the car.

I will possibly have this product on my next car, but it will be with a specialist application company who will do a professional job and not a rush job small and busy car dealers do.

So yes I recommend this product but don't fall for a hard sell at a dealer as in my experience they really don't do a good job if anything at all.

I submitted a claim to GardX for two small scratches, both well within SMART‑repair limits. After reviewing my photos,which i ahve now sent 5 times, GardX asked me to send images of an additional, longer scratch that I had not noticed, had happened after the original claim and had not claimed for.
GardX then declined the entire door repair based on this longer scratch — damage they specifically instructed me to add and which was never part of my original claim. They have not provided any policy wording that allows them to reject valid damage on this basis.
They have approved the separate quarter‑panel repair, but the handling of the door claim has been poor and does not appear consistent with fair claims handling. I am now preparing to escalate the matter to the Financial Ombudsman Service.

as an update, i have still received no reply to my latest email on the 13th March, so am now in process with finacial ombudsmen

Shocking experience - not worth the money - tried to blame the customer for the exteriors damage stating left bird poo on the car for too long (any bird poo was taken off straight away and car was kept clean) - outer didn’t seem to be protected at all from anything- no reps in the big car sales places such as Evans halshaw as they all left and overall disgusted with the overall experience.

Sincerely speaking there is no need for Gardx protection, waste of money. Look after your car yourself and keep it clean

So easy and accessible to use - Used the policy twice last year - instructions are clear, there are a number of options available and on both occasions I've used them it's been slick, no issues and a really great service thank you.

Ashley Huff from GardX came to treat our car in our drive.
He was great. Was booked in swiftly. So thorough when cleaning our car then applying. Highly recommend!!

Nail in tyre removed from tyre
by Quickfit.

I have had three jeeps done with Gardx , yes it’s great for a few months but honestly it’s not worth the money the dealer charges , I now have my latest jeeps ceramic coated ,The vehicles are shining all the time and the dirt just washes off without using a cloth

I purchased a brand-new Audi in early February 2023, which came with GardX ceramic coating. Unfortunately, the coating was poorly applied by the Audi dealership, and it needed to be reapplied by GardX under their lifetime guarantee a few years later.

From the moment I registered the claim, Aden took ownership of the issue and ensured that my car received a new ceramic coating within a week.

Aden explained everything in detail, and I can honestly say he treated my car as if it were his own.

Seemingly pretty poor / none existent coating.

Don’t bother with it - diamond cut alloys will be spray painted if you scratch them. Very poor repairs and they try not to honour genuine claims or do the repairs on the cheap / Cut every corner possible and then complaint emails are ignored (Giselle).

Wonderful experience. easy to claim and response was great though it took a bit of time.
Otherwise, great service