Scratch & Dent Insurance
Scratch & Dent Insurance covers the cost of:
Parts and labour to repair your vehicle in the event of accidental damage to the bodywork.
Chips and Scratches: Repair scratches made by stone chips, key scratches etc.
Scuffed Bumpers: Repair dents and scuffs on painted or textured finish to match existing finishes.
Ding & Dent Removal
This policy can only be purchased in conjunction with Gap Insurance and be purchased within 30 days of vehicle delivery.
- Covers Body Chips & Scratches
- Scuffed, Cracked & Dented Bumpers
- Dent & Ding Removal
- Covers 6 Claims Per Year
- Mobile service-repairer comes to you
- Cover available for 1,2 & 3 Years
- Nationwide Repair Network
- Fixed Repair Costs
- No Claims Excess
- Up to 30cm Damage Size for Scratches
Minor Cosmetic Damage: A Chip, Minor Dent, Light Scratch and/or Scuffed
Bumper caused by a single Incident, where the total damaged area is no larger than 30cm in diameter or 3mm in depth and, in the case of a Chip(s) is no larger than 1.5cm in diameter or 3mm in depth.
Any one claim is limited to one Minor Cosmetic Damage repair, unless in the case of multiple damages caused by a single Incident where the total end to end size of the furthermost points of the combined damaged area is no larger than 30cm in diameter or 3mm in depth.
Any repairs which are greater than these limits or are estimated to exceed four hours to complete will not be considered to be Minor
Minor Dent: A dented area on the Vehicle up to a maximum of 30cm in diameter or 3mm in depth.
Motors Insurance Company Limited (MICL) which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 202875. This can be checked at register.fca.org.uk
The Insurer is covered by the FSCS. You may be entitled to compensation from the scheme if the Insurer cannot complete their obligations. This depends on the type of business and the circumstances of the claim. For claims against insurers 90% of the claim is covered with no upper limit.
We will pay for the repair in full and you can claim up to 6 times in any 12 month period of insurance.
Policy documents together with confirmation of payment are sent by email as soon as you make the payment.
The policy should always be in the name of the owner/ hirer or registered keeper of the vehicle.
We are an internet based provider and as such we have lower overheads than motor dealers.
As a result of the high volume of GAP insurance that we sell annually, we are able to provide quality policies at the keenest prices.
You can be confident that our prices are lower than those quoted by dealers and many other web sites.
Paying less than you have been quoted elsewhere in no way means that you are buying an inferior product, it just means that they are making more profit from your purchase!
All premiums are single one off payments to cover you for the selected term.
Up to 3 years old at the date of purchase of the policy.
The vehicle must also have covered less than 50,000 miles at the purchase date of the policy.
The United Kingdom, excluding the Isle of Wight and the Islands of Scotland (including the Shetland, Orkney, Inner Hebrides and Outer Hebrides Islands). Please note that this means the Isle of Man is also excluded.
No, you can make a claim without affecting your motor insurance policy.
No, there are no excesses to pay on our policies.
This cover must be purchased within 30 days of delivery of the vehicle.
Yes - the first 30 days following the inception of this Insurance during which time no claim will be accepted.