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Scratch & Dent Insurance | SMART Insurance | Cosmetic Repair Insurance
We all know how annoying getting a scratch or dent is on your car. When you come out of the supermarket carpark and you see a trolley ding on the side of you car, or when you see a bumper scuff as someone has nudged your vehicle when driving past; these small bits of damage can be unsightly and annoying.
Did you know you can insure against the cost of getting this repaired without having to claim on your motor insurance?
Sometimes also known as Cosmetic repair, SMART repair insurance, car scratch insurance or Minor Damage Insurance, Scratch and Dent Insurance can be used to cover the cost of minor bodywork damage you may get on your vehicle. This could be a:
The cost of repairing the types of damage listed above can be expensive over time. You may be able to claim for them on your standard motor insurance, however, this may see you lose your no claims bonus as a result. A cost effective alternative is to look at Scratch and Dent Insurance separately and to claim as and when these types of incidents occur.
This means you can maintain the condition of your vehicle bodywork without the impact of untimely bills or having to claim on your motor insurance.
When you make a claim, our team will arrange for a mobile technician to come to your home, or place of work, and repair the damaged area in situ. Depending on the type of damage this repair will take no more than a couple of hours, and the guaranteed repair will leave the bodywork as good as new.
With the cosmetic repair insurance provided by Totallossgap, your claims are to a maximum of:
No more than 6 claims per 12 month period.
Please note there is a £10 excess/call out charge per claim and a 30 day claims waiting period.
We are able to provide a quotation for you as long as your vehicle:
Examples of types of damage that cannot be covered would be:
These are only examples, please read the full policy terms and conditions via the buttons below.
What sets our product apart from other minor damage insurance products in the market? Well, we have a few points you may want to check when comparing our cover to others.
Now that you know all about a Scratch & Dent Insurance policy from totallossgap.co.uk, you can now see how our policy compares to others available on the market. Be sure to compare the number of claims you can make, the excess you have to pay, the size diameter and also whether or not the damage is limited to one single panel.
Being part of Aequitas Automotive Ltd, we also have access to another Scratch & Dent Insurance policy with a number of differences to the policy above. It really does depend on what you are looking for the minor damage insurance to do. Our shortfall.co.uk policy will cover damage upto 300mm in diameter, however the excess is higher at £25.00 per claim. Click to find out more
Your policy is fully FCA regulated and backed by the Financial Services Compensation Scheme.
We are here to help! Search our help centre for any questions you may have.