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.

10 Months Interest Free Credit Available.

Scratch & Dent Insurance
  • 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


  • What is Scratch & Dent Insurance?

    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

    Cosmetic Damage.

    Minor Dent: A dented area on the Vehicle up to a maximum of 30cm in diameter or 3mm in depth.

  • Who is the insurer of this policy?

    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

    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.

  • What Is The Claim Limit?

    We will pay for the repair in full and you can claim up to 6 times in any 12 month period of insurance.

  • When and how do I receive my policy documents?

    Policy documents together with confirmation of payment are sent by email as soon as you make the payment.

  • Whose name should the policy be in?

    The policy should always be in the name of the owner/ hirer or registered keeper of the vehicle.

  • Why is Direct Gap so much cheaper than motor dealers quote?

    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!

  • Is this a one off or annual payment?

    It can either be a single, one-off payment with the use of a credit/debit card without any card charges, or alternatively we can arrange for interest free payments over 10 months. 

    This applies to all Tyre Insurance,  Alloy Wheel and Scratch & Dent policies.

  • How old can my car be to buy Scratch & Dent Insurance?

    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.

  • What is the Geographic Area of cover?

    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.

  • Does a claim on Scratch & Dent Insurance affect my no claims bonus?

    No, you can make a claim without affecting your motor insurance policy.

  • Is an excess payable on this policy?

    No, there are no excesses to pay on our policies.

  • When can I purchase the cover?

    This cover must be purchased within 30 days of delivery of the vehicle.

  • Is there a waiting period?

    Yes - the first 30 days following the inception of this Insurance during which time no claim will be accepted.  This applies to all Alloy Wheel, Scratch & Dent and Tyre Insurance policies.