cover that you can get? From £150pa and you can claim up to 3 repairs a year. If you pay extra (£30 iirc), you can also include alloy wheel damage & claim up to 4 times a year for those. Each claim is limited to an area within one body panel.

Seems like a decent investment to me, though I've not sat down & calculated if it's cost effective over just paying a bodyshop to repair damage as & when it happens.

As an example & for more details: http://uk.protectyourbubble.com/cosmetic-car-insurance
Any thoughts?