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: Dings and Dents up to 25 square mm 

This policy can only be purchased in conjunction with Gap Insurance and be purchased within 60 days of vehicle delivery.

Scratch & Dent Insurance
  • Covers Body Chips & Scratches
  • Scuffed, Cracked & Dented Bumpers
  • Dent & Ding Removal
  • Covers 2 Claims Per year
  • Mobile service-repairer comes to you
  • Cover available for 1,2 & 3 Years
  • Nationwide Repair Network
  • Claim limit of up to £250 per repair

FAQ's

  • What is Scratch & Dent Insurance?

    Covers the cost of Parts and Labour to repair your vehicle in the event of accidental damage .

    Chips and Scratches:

    Repair scratches made by stone chips, key scratches etc, and consistent with damage limited to the dimensions of the Template

    Scuffed Bumpers:

    Repair dents and scuffs on painted or textured finish bumpers to match existing finishes.

    Ding & Dent Removal:

    Dings and Dents up to 25 square mm manipulated back to original shape without the need for re-spraying.

     

     

  • Who is the insurer of this policy?

    The insurer, AmTrust International Underwriters, is a major insurer in the UK and Europe and is authorised by the Financial Conduct Authority, authorisation number 169384. This can be checked at register.fca.org.uk

  • What Is The Claim Limit?

    The claim limit is up to £250 per claim & £500 per annum. Two claims can be made each year.

  • 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?

    All premiums are single one off payments to cover you for the selected term.

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

    Up to 2 years old at the date of purchase of the policy.  

    The vehicle must also have covered less than 20,000 miles at the purchase date of the policy.

  • What is the Geographic Area of cover?

    Provides cover within the Geographic area of Great Britain, Northern Ireland, Isle of Man and the Channel Islands.

  • 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?

    Yes £25 per claim.

  • When can I purchase the cover?

    This cover must be purchased within 60 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.