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SCRATCH & DENT INSURANCE

Want to Know a little about Scratch & Dent Insurance? Let us tell you.

Scratch and Dent Insurance covers minor cosmetic damage to a vehicle, such as scratches, dents, and minor chips. It typically includes repairs to the vehicle’s exterior without affecting the vehicle’s main insurance policy.

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Scratch & Dent

Scratch & Dent Solutions

No matter how carefully you drive, accidents happen. Scratch & Dent Insurance will keep your vehicle in top condition by repairing chips, minor dents, light scratches, and tears without needing to claim from your regular vehicle insurance policy, giving you the peace of mind you solely deserve.

Some of the covers available

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Scratch & Dent

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Scratch & Dent Plus

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Scratch & Dent Inside-Out

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Scratch & Dent Inside-Out Plus

Some of the exclusions, what it will not cover

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Any damage not defined as a light scratch, chip or dent

N

Hail or natural disasters

N

Pre-existing damage

N

Non-roadworthy vehicle

N

Vehicles not listed on policy

N

Actual cost of license renewal

*Refer to Terms & Conditions for a full list of exclusions

Get in touch with us today to learn more about the insurance solutions and discover how you can help protect your car against scratches & dents.

Why not tell us what you would like to insure

As this is specialised insurance, we require some information that will allow for us to setup for a meeting and setup time to understand your requirements as each business is unique.

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    Your Claims



    Currently Insured?


    Do you currently have insurance?





    Current insurer you are with.












    Any claims in the last 7 years?


    Claims in the last 7 years.









    What type of claim did you have?











    How many years have you not had a claim? So if you had a claim say on the 1st of June 2019, and today is the 1 January 2021 this means that you have only 1 year of no claims. You need to round down any years, so in this case you would be claim free for 1 and half years, so we have to round down to 1 year and never round up.






    How many years have you not had a claim? So if you had a claim say on the 1st of June 2019, and today is the 1 January 2021 this means that you have only 1 year of no claims. You need to round down any years, so in this case you would be claim free for 1 and half years, so we have to round down to 1 year and never round up.



    Any Insurer Rejected Your Claim?


    Any insurer ever rejected your claim?




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    Feel free to add any questions or notes or best dates or times to contact you so that we can address all your questions when we arrange for a face-to-face or online meeting.







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    Insurance

    Available Products

    We have a wide range of insurance products, ensuring that we can meet all your coverage needs. Our team of seasoned professionals possesses in-depth knowledge, so you are in capable hands.
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    Scratch & Dent Cover

    You want to keep your vehicle looking great. This plan covers repairs for chips, minor dents, and light scratches. We also know renewing your vehicle’s license can be a hassle, so Licence Support benefit is included. The cover includes reminders to you, help to complete the forms, and delivery of the renewed license disc to your door.

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    Scratch & Dent Inside-Out Cover

    You take care of your vehicle and want it to look new inside and out. Scratch & Dent Inside-Out covers repairs for chips, minor dents, and light scratches on the outside, as well as scratches, scuff marks, and tears on the inside.

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    Browse FAQ Categories

    Scratch & Dent

    Scratch and Dent

    What complex issues can affect Scratch and Dent insurance coverage?

    If the damage exceeds the size limits specified in the policy, or if repairs are not done at approved repair centers, coverage may be voided. It is essential to follow the policy guidelines strictly.

    Does Scratch and Dent insurance cover alloy wheel damage?

    Some policies offer optional cover for alloy wheel damage, but this is not standard. Check if your policy includes or offers an add-on for alloy wheel protection.

    Can leased or financed cars be covered by Scratch and Dent insurance?

    Yes, leased or financed cars can be covered, and having this insurance can be advantageous to avoid penalties for returning a car with cosmetic damage at the end of the lease term.

    What is Scratch and Dent insurance?

    Scratch and Dent insurance covers the cost of repairing minor cosmetic damage to your car, such as scratches, dents, and chips, keeping your vehicle looking new without affecting your no-claims bonus.

    What types of damage are typically covered by Scratch and Dent insurance?

    It covers minor cosmetic damage like scratches, dents, chips, and minor panel damage, usually up to a specified size and depth as defined by the policy.

    Is Scratch and Dent insurance worth it for new cars?

    Yes, it is particularly beneficial for new cars to maintain their appearance and resale value by covering the cost of minor repairs that are often expensive and not covered by standard car insurance.

    Are there any limits to the number of claims I can make with Scratch and Dent insurance?

    Most policies have a limit on the number of claims you can make per year, so it’s important to check the terms of your specific policy.

    What is not covered by Scratch and Dent insurance that clients often assume is covered?

    Major bodywork damage, damage to the roof, structural damage, and damage resulting from accidents are typically not covered. Additionally, pre-existing damage before the policy start date is excluded.

    Can Scratch and Dent insurance be transferred if I sell my car?

    Policies often allow the transfer of coverage to a new owner, but this depends on the insurer’s terms and conditions. Always check with your provider for specifics.

    How does Scratch and Dent insurance affect my no-claims bonus?

    Claims made under Scratch and Dent insurance do not usually affect your no-claims bonus on your comprehensive car insurance, as they are separate policies.

    Our Client Education Quizzes

    Think you can out smart these questions?? Hmm, let’s see if you can?

    Insurance 101

    Insurance 201

    Life Insurance 101

    Fun

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    58

    Personal Insurance Quiz 101

    10 Quick, easy home and car insurance quiz questions to help you unlock how it works by increasing your knowledge.

    1 / 10

    Why do insurers do an ITC check when I ask for a quote, choose most correct answer? 

    2 / 10

    Why is insurance known as a grudge purchase?

    3 / 10

    Why is it important to make sure your monthly insurance premiums is paid every month?

    4 / 10

    What does household contents generally cover?

    5 / 10

    Insurance quotation are generally valid for how long?

    6 / 10

    When can I use my car hire benefit on my policy?

    7 / 10

    Why do I need car insurance?

    8 / 10

    What does average mean for a home contents claim?

    9 / 10

    Why is my risk address so important when taking out home contents cover?

    10 / 10

    With vehicle insurance, do I generally have to pay extra when I use roadside assistance?

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    Personal Insurance Quiz 201 - Intermediate

    10 Intermediate level, random quick, easy home and car insurance quiz questions to help you unlock how it works by increasing your knowledge.

    1 / 10

    What happens if I decide to cancel my vehicle insurance and self insure?

    2 / 10

    Why is it important to know about my past insurance and claims when I am taking out insurance?

    Under insurance is calculated using average. Average is calculated using the below formula:
    Average = (Sum Insured Amount) / (Actual Replacement Amount ) x (Claim Amount)
    Once you have worked out the average amount you need to minus the excess and it will give you the total amount that an insurer will payout.

    3 / 10

    My home burns down and I have building cover for R2 000 000. After validating the claim, we realise that the cost to replace my home is actually R2 400 000.

    I have an excess of R10 000. How much will the insurer pay me out?

    4 / 10

    What is the function and purpose of insurance?

    5 / 10

    Why does it matter if I have a license or not when taking out insurance, if I am the one who will be paying for the premium?

    6 / 10

    Pam who is 29 years old, takes out insurance with Z Insurers for her car. She opts for a basic excess of R5 000.

    The are also 2 additional excesses on her policy schedule. (Drivers under the age of 25 years R2 000 excess and where an accident happens between 11pm and 4am R5 000 excess).

    Pam goes out partying and she meets up in an accident at 2am. She is stressed out about how much excess she needs to pay when she claims, how much would she need to pay?

    7 / 10

    Do I really need to disclose the colour of my vehicle for insurers to calculate my premium?

    8 / 10

    Does my marital status really affect my vehicle insurance premium?

    9 / 10

    Why is it important to disclose true information to insurance companies?

    10 / 10

    Gary goes to work on a Friday, he ends up staying after work with his colleagues and they have a few drinks. He leaves work at 11pm and heads home. As he is passing the robot, a guy who is highly intoxicated skips the red robots and knocks into Gary. Gary and the other driver are not injured however upon the police arriving they test them both for alcohol and both Gary and the other driver are arrested because of their alcohol levels. Will the insurer pay for the damages to fix Gary's car?

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    Life Insurance Quiz 101

    10 random quick, easy life insurance quiz questions to help you unlock how it works by increasing your knowledge.

    1 / 10

    With death cover, is there a waiting period for suicide?

    2 / 10

    What would happen if I don’t disclose to the insurer upfront that I once had a heart attack when I was really young?

    3 / 10

    Is there specific cover for cancer only, as my family are at a higher risk for this disease?

    4 / 10

    My comprehensive servere illness cover pays me out for stage 4 cancer. Seven months later, I suffer a servere heart attack. The two events are not related, will I be able to claim again?

    5 / 10

    When is the best time to take out Life Cover?

    6 / 10

    What does it mean to have a whole of life benefit?

    7 / 10

    I bought a house last month, the bank has advised that I need to have life cover which is the same amount as my bond amount but I don’t understand why I need this cover?

    8 / 10

    Do I need to go undergo any medicals or answer any medical questions when taking out life cover?

    9 / 10

    Is it necessary to have a Will, in case I die?

    10 / 10

    What is the general purpose of lump sum disability cover?

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    Are you truly South African? Let’s see how well you know your SA slang!

    Known as South Africanism....we have many official languages and yes we sommer combine them to keep things interesting...

    1 / 10

    Ag Man?

    2 / 10

    "Graft / Graf"

    3 / 10

    In a "dwaal" again

    4 / 10

    Skinner?

    5 / 10

    "Bark the dog, kotch, park a tiger, blow chunks or make a technicolored yawn"

    6 / 10

    Kwaito music

    7 / 10

    "Laduma" (laa-du-maa)

    8 / 10

    Pull into the vaab soonish, we’ll swing by just now’

    9 / 10

    "Bunny chow"

    10 / 10

    "Sick dude"

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