Need Help? Calling from a mobile please call 0151 647 7556
0800 195 4926
Do you have a question? or need help?
Mon - Fri : 9AM - 6PM, Saturday : 10AM - 2PM

Compare Scratch & Dent Insurance | Total Loss Gap

How do we compare to other Scratch & Dent Insurance providers?


Scratch & Dent Insurance, otherwise known as 'Smart' or cosmetic repair insurance, is quickly becoming a must have when purchasing a new or used car in the UK. During the purchase process of the car, you may be offered a number of additional forms of protection such as the Gap Insurance, Alloy Wheel Insurance, Tyre Insurance and of course, Scratch & Dent Insurance. Not knowing an awful lot about the insurances and how they work, you decide to check online and find that independent suppliers such as us, can provide the protection at a much more cost effective price. But, how do we compare in terms of ability?


This form of insurance is designed to limit the need for a bodyshop repair and to cover the cost of repairing minor damage on the car, whilst protecting your no claims bonus on your comprehensive motor insurance policy.


Key Policy Features

All forms of insurance will have different features and different limitations, Scratch & Dent Insurance is no different. Below you will see a list of key features attached to the Total Loss Gap Scratch & Dent Insurance policy.

Compare Scratch & Dent Insurance

  • You have the ability to make upto 6 claims per year
  • There is just a £10 excess/call out charge to pay per claim
  • We cover a Scuff of no more than 150mm in diameter, 3mm in depth, across no more than 2 body panels
  • We cover a Minor dent of no more than 150mm in diameter, 3mm in depth, across no more than 2 body panels
  • We cover a Chip of no more than 15mm in diameter and 3mm in depth
  • There is an initial 30 day claims waiting period on the policy.

With other policies listed on the market, you may be limited to just 3 claims per year and have a much higher excess of say £25.00 to pay per claim. At Total Loss Gap, our Scratch & Dent Insurance policy will give you the ability to make upto 6 claims per year and only has an excess of £10 to pay per claim. vs





Being part of Aequitas Automotive Ltd, we act in a similar way to a broker and have access to a number of different underwriting insurers and therefore different policy terms and conditions. On our website, the Scratch & Dent Insurance policy has a number of different key features for you to consider, some advantages and some dis-advantages but the choice is yours to make.


Rather than being limited to a maximum of 6 claims per year, the policy will have no limit to the number of claims but instead a maximum claims benefit of £3,000 spread over the term of the policy. The policy also has the ability to cover upto 300mm in diameter, rather than a maximum of 150mm in diameter you get with a policy. This extra ability does come at an extra cost, not in the premium price, instead in the excess/call out charge you have to pay in the event of you making a claim. Rather than having a £10 excess to pay per claim, instead you have to pay a fee of £25 per claim.


It really does depend on what you value within your policy, some would prefer the extra coverage, others prefer not to pay as much in the event of a claim. As long as we have provided you with all of the options for you to make an informed decision, we have done our job. 

Is Scratch & Dent Insurance a good idea?


Unfortunately, it's not as easy as a yes or no answer. Instead it is down to the individual on whether or not you see the value in the insurance. We all expect to pick up small pieces of damage, a small trolley ding for example, but how many pieces of damage would you expect to pick up and therefore how many times do you expect to make a claim. Weighing that up against the cost of having the damage repaired independently or through your motor insurance policy, should help to give you the answer of whether or not the policy is a good idea for you. 


Other factors may come into play, such as any charges incurred when handing the vehicle back to the finance/contract hire/lease hire company or previous experiences with other vehicles will again help you to decide whether or not a Scratch & Dent Insurance policy is a good idea for you.


Quote Me

Independently Verified 5*

Customer ratings

Featured within the Which? Report on Gap Insurance.

Protected by the Financial Services Compensation Scheme.


Your policy is fully FCA regulated and backed by the Financial Services Compensation Scheme.

4.9 OUT OF 5
Click to view

Need Some Help?

Need some help?


We are here to help! Search our help centre for any questions you may have.

Total Loss
MG opens two dealerships with Howards Motor Group    |    What is Personal Contract Purchase or PCP Finance?    |    BMW 2 Series Gran Coupe 220d 2020 review    |    New Hyundai i20 arrives with new styling and mild-hybrid engines    |    New Mercedes-AMG GLE 63 S Coupe revealed with 603bhp    |   
Cyber Essentials