We’ve had a couple of dings in doors or wings from inconsiderate ‘bar stewards’ in car parks. Like others, I can’t live with a scruffy looking car, so paid for Chips Away (or similar) to rectify them. Sadly, dents don’t just pop out without leaving imperfections, so it inevitably requires more than that and respraying the affected area. From memory, the repairs were around £120 to £150 each. Anything more substantial and I would expect Motability to cover it under their insurance. I would never drive a private car around that looked scruffy and don’t expect to with a lease car either. We pay a lot for these cars, what with the £10k sacrificed benefits and AP etc, so personally I would not accept the suggestion that it’s just cosmetic so live with it. I would insist on a proper repair but would obviously expect to pay the excess. If Motability refused I would tell them that I want to return the car as we haven’t paid all that money to drive around in a tatty looking car. I know that it doesn’t bother some people, but it does me. If I was happy to drive around in a car with dents and bodywork damage I would opt out of Motability and buy a car for a couple of grand and save a fortune!