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Scratch and Dent Insurance.

How Does It Work? 

4.9 out of 5 on Trusted Shops



Repairs and refurbishes up

to 4 alloy wheels per year and 10 in the total period of cover



Pays up to £150 per repair and up to £1500 in total claims - with NO EXCESS payable!



Diamond cut alloy wheels covered and all repairs carried out at your home or place of work.

How does it work?

Scratch and Dent Insurance

Scratch and Dent Insurance is an optional and additional insurance to cover the cost of accidental minor cosmetic damage. Without it, stone chips, scratches and dents would remain un-repaired, or repaired at the cost of the motorist. Claiming for minor damage on a fully comprehensive motor insurance is simply not worthwhile due to the excess payable and the the loss of no claims bonus.

When a claim is made, the insurers approved repairer will arrange to visit you at your home or place of work to carry out the repair. These repairers are also used by motor dealers for repairs and refurbishment of part exchange vehicles before display in their showrooms or forecourt.

Accidental damage is often not the fault of the motorist. Stone chips cannot be avoided and other motorists are not careful when opening their doors onto yours when parked beside you. 

The appearance and value of a car or van is diminished when minor damage is left unrepaired. For those who use PCP or Contract Hire arrangements, minor damage will be charged to you at main dealer labour rates if the vehicle is returned with un-repaired damage.

In a nutshell, Scratch and Dent Insurance helps you keep your vehicle looking pristine and helps maintain a maximum value should you wish to sell or part exchange it.

Unlike other Scratch and Dent Insurances on the market, our policies do not require you to pay an excess for each claim you make. Our policies pay up to £500 per claim, which is usually sufficient given the trade price arrangement between the insurer and their repairer. There are no limits to the number of claims you can make each year or in total and the policy provides for up to £3,000.00 of claims in total. 

Scratch and Dent lnsurance is a multi year policy which cannot be extended, renewed or purchased again on expiry. Cover is available for 1, 2, or 3 year periods.

The above are simple explanations to help you understand how the risk might affect you. Not all costs are covered by this policy.
*Always refer to the full policy terms and conditions below for more detail and always before purchase.

Unlimited number of claims

NO EXCESS to pay!
Up to £500 per claim and £3,000 in total period
Maximum area of damage up to 30cm in diameter
Multiple panels covered with the 30cm diameter
Bonnets, boots and roofs covered

Up to 20,000 business miles pa covered

60 day european cover in any single trip

We have been featured in Which? for many years
We only use independently 'A' rated global insurers
Financial Conduct Authority Authorised and Regulated
Covered by Financial Services Compensation Scheme
We are UK specialists with over 40 years experience
FREE policy amendments
FREE policy transfers
We are independently 5 star rated

We are directly authorised and regulated by the Financial Conduct Authority and have been since 2007.

The Financial Conduct Authority is our industry watchdog. We are directly authorised and regulated by them. This means the FCA monitor access to our service and financial performance every six months to ensure we are meeting their requirements.

FCA Authorised

All policies arranged by us are protected under the Financial Services Compensation Scheme.

All insurances arranged by us and our website are covered by the Financial Services Compensation Scheme. To read how this protects you, please read our full policy terms and conditions document.


If you change your mind within 30 days, we'll refund your premium less a £15 administration fee. 

We uniquely have over 40 years experience in vehicle sales and specialist supplementary vehicle insurances.  When it comes to Gap Insurance, we are experts - it's what we do. All our staff are mature and highly experienced.

30 day cooling off


Click2protect UK Limited
trading as www.car2cover.co.uk
The Officers' Mess
Royston Road

CB22 4QH

email : mail@car2cover.co.uk   

tel : 01438 870615

Call us Monday - Friday 9am - 5.30pm

or Saturday 10am - 2pm


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