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Scratch and Dent Insurance |

Scratch & Dent Insurance | SMART Insurance | Cosmetic Repair Insurance

We all know how annoying getting a scratch or dent on your car is. When you come out of the supermarket car park and see a trolley ding on the side of your car or a bumper scuff as someone has nudged your vehicle when driving past, these tiny bits of damage can be unsightly and annoying. Or even if you have scrapped your car yourself. After all, no one is a perfect driver; we are all human and can make mistakes.

(please note these terms apply for policies purchased after March 2023. If you have purchased your policy before then, please see your policy terms and conditions) 


Did you know you can insure against the cost of getting this repaired without claiming on your motor insurance with a Total Loss Scratch and Dent Insurance?


Key Features with Scratch and Dent Insurance from Totallossgap 

  Instant scratch and dent cover for brand new cars T&C's apply  You can choose 3 or 6 scratch and dent claims per year.


What sets our product apart from other minor damage insurance products? You should check a few points when comparing our cover.


  • You can choose 3 or 6 claims per year.
  • Damage can be over two panels.
  • There is no excess to pay when you make a claim.
  • There is no waiting period*. 
  • Work is guaranteed for the lifetime ownership of your vehicle.
  • Damage up to 30cm in length and 3m in depth.
  • 30-day cooling off, **
  • Pro rata refund after the first 30 days, provided you have not made a claim.
  • Transfer your policy if you change your car - eligibility criteria apply.
  • Uk based Claims teams and call centres
  • No Waiting periods *


* No waiting period, provided you have bought a Brand new car and purchased your policy before taking delivery.

**During this time, if you have not made a claim, you can cancel and receive a full refund.

Please see your policy documents for a complete list of terms and conditions.

Pdf IconIPID - Key Facts Before March 2023            Pdf IconT&C - Policies Purchased Before March 2023

Pdf IconCurrent IPID - Key Facts for new policies     Pdf IconCurrent T&C - Terms and Conditions 


N.B. For health and safety, the technician repairing your car will require somewhere off the road to be able to work. 


     What is Scratch and Dent 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:


Why buy Scratch and Dent Insurance? 

Repairing the types of damage listed above can be expensive over time. You can claim 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 your motor insurance.

How are repairs done with Scratch and Dent 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. If the damage falls within the scope of your policy but the technician cannot carry out a mobile repair with the claims team's authorisation, they will for a body shop repair.

  • They will pay up to £450 for damage on two panels
  • They will pay up to £250 for damage on one panel.


How many claims can you make on Scratch and Dent Insurance?

With the cosmetic repair insurance provided by Totallossgap, your claims are to a maximum of:

  • 3 or 6 claims for a 1-year policy
  • 6 or 12 claims for a 2-year policy
  • 9 or 18 claims for a 3-year policy
  • 12 or 24 claims for a 4-year policy


The number of claims is per year and can not be carried over to the subsequent years. 


Am I eligible for Scratch and Dent Insurance?

We can provide a quotation for you as long as your vehicle:

  • is not used as a business vehicle, e.g. taxi, courier, driving school, or sales rep solely for business use
  • your vehicle is a car
  • your vehicle is less than five years old AND has less than 50,000 miles on the clock when you purchase the policy
  • you have not owned your vehicle for more than 30 days
  • you have purchased your vehicle from a VAT-registered or Main Dealership.


What type of damage cannot be covered by Scratch and Dent Insurance?

Examples of types of damage that cannot be covered would be:

  • where the damage is more extensive than the definitions described above                                           
  • where the damage cannot be repaired without going to a body shop
  • where the damage occurs on large, flat panels on the vehicle, e.g. roof, bonnet and tailgate
  • where you have exceeded the maximum claims provided for on the policy
  • where the damage occurred before the policy starts

These are only examples; please read the full policy terms and conditions via the buttons below.


Compare Scratch & Dent Insurance

Now that you know all about a Scratch & Dent Insurance policy from, you can see how our policy compares to others available on the market. Be sure to compare 

  1. The number of claims you can make, 
  2. If there is an excess, you have to pay, 
  3. The size diameter, 
  4. If the damage is limited to one panel.
  5. What happens when you cancel?


If you have any questions about scratch and dent insurance, want to help compare levels of cover, or want to discuss what our policy could do for you, please call 0800 195 4926, where a team member will be happy to help.

  Your Total Loss Scratch and Dent Policy covers Damage on 2 Panels  You can transfer your policy to your next eligible vehicle

Total Loss Scratch and Dent Insurance Frequently Asked Questions


  • Is my Total loss Scratch and dent policy protected? - As long as you are not buying a scratch-and-dent policy for a car on behalf of a company with a turnover of over 2 million pounds, your policy is protected by the Financial Services Compensation Scheme. 


  • How long is my policy for? - Your policy is for the entire period you have selected. For example, if you choose four years, your policy will last four years.


  • How many claims can you make? - Depending on the maximum number of claims you buy, you can make up to 3 or up to 6 claims per year. For example, if you bought a policy with up to 6 claims per year on March 28th, 2024, you could make up to 6 claims until March 28th, 2025. The number of claims would then reset on March 29th, 2025, and you would have up to another 6 claims available to make until March 29th, 2026.


  • Can I transfer my scratch and dent policy? - Yes, you can transfer your policy free of charge to your next eligible vehicle. The first policy transfer is completely free of charge. The second and any further transfers would cost £35.00 each.


  • Is there an excess to pay when you make a total loss scratch and dent claim?- No, there is no excess to pay when you make a claim.


  • Is the policy price an annual fee or the total cost for the entire period? - As long as you have selected the number of years you want to buy, the premium shown is the total price for the entire period.


  • Will my Scratch and Dent insurance cover damage to my bonnet or roof? - It's important to note that most scratch-and-dent policies, including yours, won't cover damage to your roof or bonnet. This is because restoring the paintwork to its original factory finish, as in the case of stone chips on your bonnet, would require a full respray. To ensure a perfect paint match, parts of the front wings and even the front bumper might need to be sprayed, too.


  • Will my scratch and dent policy cover me in the EU? - Regrettably, your policy is limited to covering damage that occurs within the United Kingdom. It's important to be aware of this when considering your coverage.


  • What happens if the claims team is unavailable, for example, I scratch my car on a Sunday? - If you encounter a scratch or dent on a day when the claims team is unavailable, such as a Sunday, it won't hinder your ability to drive your car. Simply reach out to the claims team on Monday morning, and they will promptly process your claim.