Scratch And Dent Insurance

A car insurance policy only provides cover against motor vehicle accidents, hi-jacking and theft.  In most cases you have to pay an excess for each and every incident.

It is therefore not always possible to claim for minor dents and scratches not caused by a car accident.

Each dent caused by a shopping trolley would be seen as a separate incident by the insurance company and you would have to pay an excess for each and every dent.

This is where Scratch-And-Dent Insurance comes in very handy.  It helps you keep your most valuable asset in top condition and protects you from unforeseen costs related to minor dents and scratches.

What is seen as a dent?

A dent is seen as an area not exceeding 15 cm in diameter.

What is seen as a chip?

A chip is seen as an area not exceeding 3 mm in diameter.

What is seen as a scratch?

A scratch is seen as an area not exceeding 15 cm in length, not extending over 2 or more adjacent body panels (excludes rips and tears).