Minor damage

without a visit to the service centre

This service is designed for operational leasing clients who want to save time and avoid unnecessary visits to the service centre. If the vehicle sustains minor damage that does not affect its safe and proper operation, it does not need to be repaired immediately. Simply report the damage online to the insurance team and you can continue using the vehicle until the end of your operational leasing period.

When the service is suitable

We recommend using it in situations where:

Safety

The damage does not affect the safe operation of the vehicle

Repair

The repair is not required immediately

Time

You want to save time and avoid making arrangements for unnecessary repairs

Minor defects

The damage is cosmetic or minor, with no technical impact

How the process works

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1. Identification of the damage

You notice minor damage to the bodywork, interior or another part of the vehicle. If the vehicle remains safe and operational, there is no need to take it out of service immediately or visit a service centre.

2. Damage reported online

You report the damage using the online form, including a brief description and photo documentation. The incident is immediately recorded by the insurance team.

Damage reporting form

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3. Assessment by the insurance team

A member of the insurance team:

assesses the reported damage and the photographs,
evaluates the extent of the damage,
decides whether an immediate repair is required.

If a repair is not required, you are informed and the damage is recorded for later resolution.

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4. Continued use of the vehicle

You can continue using the vehicle without restriction. There is no need to arrange repairs, organise a replacement vehicle or deal with paperwork. The damage is safely recorded and will be handled after the end of the lease agreement.

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5. Return of the vehicle at the end of the lease

When the vehicle is returned, the technician compares the actual condition with the previously reported damage. Because the damage was properly reported:

it is not assessed as excess wear and tear,
it is included in the standard insurance claim process,
you do not need to provide any additional documentation or explanations.

6. Settlement after return of the vehicle

After the vehicle is returned, the insurance team assesses each reported incident and settles it based on how it was reported during the operational leasing period.

In addition:

If several instances of minor damage occur on the same part of the vehicle, they are treated as a single insurance claim.
Other, different types of damage are handled separately as individual claims according to how they were reported.

Examples of minor damage

Not sure whether your damage falls within this service?

+420 955 525 000

Frequently asked questions about minor damage

What exactly is “minor damage”? Minor damage refers to cosmetic defects that do not affect the safe operation of the vehicle – for example light scratches, scuffs, small dents or cosmetic damage to the interior.How do I know that immediate repair is not required? If the damage does not affect driving or safety (e.g. lights, brakes, tyres) and the vehicle remains fully functional. If you are unsure, the insurance team will assess this after you report it.When can the service not be used? If the damage affects the safe operation of the vehicle, the service cannot be used. In such cases, we will recommend immediate repair. However, the service can normally be used for standard cosmetic damage.Do I have to report the damage immediately? Ideally as soon as possible. A short description and photos via the online form are sufficient – it only takes a few minutes.What if similar damage occurs in the same place more than once? All damage to the same part of the vehicle is treated as a single insurance claim.Will this affect the return of the vehicle at the end of the lease? On the contrary. Timely reporting means the technician knows exactly what damage has occurred – it is not assessed as excess wear and tear and no additional costs are incurred for unreported damage.Do I need to bring the vehicle in for inspection or to a service centre? No. Simply report the damage using the online form. Repairs are handled after the return of the vehicle.Will this affect my insurance or monthly payments? No. The service does not increase monthly payments and reporting the damage has no impact on the insurance rate.What if the damage needs to be repaired after all? If the insurance team determines that repair is necessary, we will inform you and agree the next steps.Do I need to provide anything when reporting the damage? Just a short description and a few photographs. The form will guide you through the process.What if I do not report the damage? If minor damage is not reported, it may be assessed as excess wear and tear when you return the vehicle, which may result in an additional charge. We therefore recommend reporting all damage – it only takes a few minutes.Where can I find the reporting form? ➡ [https://pojisteni.ayvens.cz/](targetSelf:https://pojisteni.ayvens.cz/)