Both cover minor cosmetic damage without touching your insurance. Here’s how Assure and Schmick actually compare on price, cover, and eligibility so you can pick the one that fits your car.
The same side-by-side format we use for Assure vs a panel shop — now for Assure vs Schmick.
Schmick charges a fixed term of 1–5 years paid upfront, plus $50 per repair. Assure offers monthly or fixed-term membership, with $0 repair fees on our Platinum and Ultimate plans. Beyond price, eligibility rules differ meaningfully too:
Both work — but Schmick's Gold tier requires your car to be under 4 months old; Assure accepts any car under 10 years old.
Schmick's terms explicitly exclude these uses. Assure's exclusion is narrower — only vehicles used as a "tool of trade" are excluded.
Assure covers up to 2 chips on all tiers; Schmick's Gold membership doesn't include windscreen repair at all (Platinum Plus only, and just 1 chip).
Every row below is sourced from Assure’s and Schmick’s official Membership Terms & Conditions, not just homepage marketing
| Feature | Assure | Schmick |
|---|---|---|
| Pricing model | Monthly or fixed-term membership | Fixed 1–5 year term, paid upfront |
| Repair fee | $0 (Platinum & Ultimate) or $90 (Gold) | $50 per repair |
| Typical yearly cost | $468–$828/yr before existing-damage discount | ~$259–$495/yr depending on term length |
| Vehicle age limit | Under 10 years, all tiers | Under 4 months (Gold) or under 7 years, dealer-purchased (Platinum Plus) |
| Excluded vehicle uses | Tool of trade only | Taxis, rideshare, rental/hire, tour, courier, tool of trade |
| Excluded vehicle makes | None specified | Named supercar marques (Lamborghini, Ferrari, Porsche non-SUV, etc.) |
| Waiting period | None specified — instant | 45 days (Gold) / 0 days (Platinum Plus) |
| Windscreen chip cover | Up to 2 chips, all tiers | 1 chip only — not included on Gold |
| Interior damage cover | 1 tear, up to 80mm x 6mm, all tiers | 1 tear, up to 80mm x 5mm — not included on Gold |
| Alloy wheel repair | Included (Chrome wheels excluded) | Optional add-on (Gold) |
| Stone chip touch-ups | Up to 35 chips | Up to 20 chips |
| Surface scratch panels | Up to 5 panels | Up to 4 panels |
| Scratch/dent size limit | Up to 50mm x 50mm, 3mm depth | Up to 60mm diameter, 10mm depth |
| Warranty | ACL guarantee + workmanship remedy | ACL guarantee + warranty for period of ownership |
| Extra perks | Free NRMA membership, 2,000+ retailer discounts, car wash discounts | Not specified in T&Cs |
| App | iOS & Android | iOS & Android |
Pricing and terms correct as of 11 August 2026, re-verified against Assure's Terms & Conditions and Schmick's published Terms & Conditions, plus current website pricing. Terms may change — refer to each provider's own site for current details.
Schmick’s model is a multi-year commitment paid upfront — the longer the term, the lower the effective yearly cost (roughly $258–$293/year on 4–5 year terms), plus $50 whenever you actually use it.
Assure’s membership is billed monthly (or as a fixed term, if you prefer to pay upfront), and on Platinum or Ultimate, eligible repairs cost nothing on top of your membership.
Schmick is available exclusively through a car dealer. So if you’ve been offered you a cheap deal on Schmick, send us the quote and we will price match the terms.
This is where the two memberships diverge most. Schmick’s Gold tier is built for near-new cars only — under 4 months old from registration. Their Platinum Plus tier is more flexible (up to 7 years old, if dealer-purchased), but Schmick’s terms also rule out taxis, rideshare, rental and hire vehicles, tour services, courier use, and tools of trade — plus a list of named supercar marques, regardless of how the car is used.
Assure accepts any car under 10 years old and only excludes vehicles used as a “tool of trade” — a narrower restriction. If your car does rideshare or courier work on the side, it’s worth checking eligibility directly with each provider.
Assure accept cars with existing damage and will provide a competitive quote to fix, where as Schmick doesn’t.
Both cover the everyday stuff — scratches, small dents, bumper scuffs, wheel scuffs — with mobile technicians who come to you. But the size limits and inclusions differ in ways that matter.
Gold
Economical
$35
/month, billed yearly
Platinum
Best value
$50
/month, billed yearly
Ultimate
Premium Cover
$59
/month, billed yearly
Every Assure membership includes access to a national rewards club offering savings at more than 2,000 retailers. Members get a free NRMA membership valued at $80, exclusive car wash discounts, and access to thousands of additional benefits nationwide. Schmick’s published Terms & Conditions don’t list an equivalent rewards program.
Valued at $80 and unlocks savings at 2,000+ retailers.
Available at over 50 participating locations nationwide.
A complimentary wash at 50+ locations.
Thousands of discounts across Australia — none of it listed under Schmick's terms.
Membership is instant and includes access to all rewards.
It depends on the term you’re comparing. Schmick’s multi-year upfront pricing can work out to roughly $258–$293 per year on longer terms, plus $50 per repair. Assure’s monthly membership ranges from $39–$69/month, with $0 repair fees on Platinum and Ultimate. If you want to avoid a multi-year commitment, or your driving pattern means more than a couple of repairs a year, Assure’s flexible billing and $0-fee tiers are worth comparing directly against Schmick’s specific term length.
Assure accepts any car under 10 years old with no pre-existing damage. Schmick’s Gold tier requires a car under 4 months old; their Platinum Plus tier allows dealer-purchased used cars up to 7 years old. Schmick’s terms also exclude taxis, rideshare, rental, tour, and courier vehicles, plus certain supercar brands.
Assure covers up to 2 windscreen chip repairs on every membership tier. Schmick’s coverage is more limited — 1 chip only, and it’s not included at all on their Gold membership.
Assure covers one interior tear up to 80mm x 6mm on every membership tier. Schmick offers a similar repair (80mm x 5mm), but it’s excluded from their Gold membership.
No — neither Assure nor Schmick are insurance products, and using either service doesn’t involve an insurance claim or affect your no-claims history.
Yes, you can join Assure at any time, if you have an existing Schmick membership, you’re entitled to refund. Also, we will price match your car dealer’s Schmick quote. Just give us a ring with the quote.
