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Scratch & Dent
Insurance

If your car is under 12 months old and you took delivery of it less than 90 days ago, please help yourself to a no obligation quotation below. If you took delivery over 90 days ago, we are sorry we are unable to offer cover.

New and under 1 year old cars

You can't get this benefit combination anywhere else;

  • No excess payable per claim

  • Where possible, work carried out at home or work

  • Dent depth NOT limited to 3mm

  • European travel covered 

  • Other named drivers covered

  • Businesses and companies covered

  • No limit to number of claims

  • Up to £500 per claim paid

If your car is aged 1 - 7 years old and you took delivery of it less than 90 days ago, please help yourself to a no obligation quotation below. If you took delivery over 90 days ago, we are sorry we are unable to offer cover.

Cars aged between 1 - 7 year old 

What our customers have to say

Buy two or more policies for the same vehicle and enjoy low online prices plus up to an extra £30 multi policy discount!

Offer excludes motor insurance and paint & upholstery treatments.

Helpful short Scratch & Dent Insurance video presented by TV's Jamie Lowe

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Unlimited number of claims for minor scratches, scuffs, dents and stone chips, up to £3,000 in total

2

No excess to pay for each claim - a mechanism other insurers use to deter claims and increase what you pay.

3

Up to £500 paid towards each claim and up to £3,000.00 over the full period of cover.

We can't be

Compared

But give it a try, here's a check list

Insured by a financially secure global insurer
5 star rated 
Repairs completed at your home where possible

Covers damage within 30cm diameter 
Covers damage across multiple panels within 30cm area

Bonnets, Roofs and Boots covered*
FREE policy amendments and transfer
Claims paid directly to repairer where possible

No claim wait period if policy purchased before delivery

Business use and 60 day european cover included

Man at wheel of car

I have made claims in the past which were settled promptly and without fuss

P Barker - Kent.

Is your car under 1 year old?

Is your car over 1 year old?

Did you

Know

4

things to consider

Almost all vehicles suffer some form of minor cosmetic damage

1

2

3

4

If you claim on your motor insurance for minor cosmetic damage, your renewal premium may increase

If you claim on your motor insurance for minor cosmetic damage, you could lose your no claims bonus

If you claim on your motor insurance for minor cosmetic damage, the excess may be more than the cost of repair

If you finance using PCP or Contract Hire, on return, you are likely to be charged for minor cosmetic damage

Keep your car in pristine condition from just 27p per day 

HOW

WORKS

IT

Almost every vehicle will suffer some form of minor cosmetic damage.

Our client's claims are most typically, stone chips caused by our deteriorating roads, car park dents and scratches caused by others with no care for other people's vehicles, plus other accidental minor damage.

With our Scratch and Dent Insurance in place, your minor cosmetic repair costs are protected. Claiming could not be easier. Simply take a few digital images, call the claims team and your claim will be considered for approval.

MORE

FEATURES

Many policies of this type will only cover damage that falls within a 15cm diameter and only if that damage is on one body panel. Our cover repairs damage within a 30cm diameter and across multiple panels within that 30cm area.

Some policies in the market limit the number of claims you can make and the amount they pay toward each claim, typically to £150 - £300. Additionally, some also ask you to pay an excess per claim between £10 - £50. Our cover has no limit to the number of claims and will pay up to £500 per claim, with no excess to pay up to a total aggregate claim limit of £3,000.00

CAN

YOU BUY

Our Scratch and Dent Insurance is available providing cover is purchased and started within 180 days of vehicle delivery from a main agent motor dealer, broker or leasing company.

Qualifying vehicles must be under 7 years of age and have travelled less than 70,000 miles. If your car is over 1 year old, our insurer requires a video of your car paint work to be uploaded to us before purchasing cover. Private mileage travelled during the period of insurance is not limited and up to 20,000 business miles per year is allowed. Vehicles with a pearlescent, two tone or matt finish cannot be repaired using minor cosmetic repair techniques and are not covered by this policy. If in doubt, please contact your vehicle supplier.

Please be aware, damage that occurred before the purchase of this policy is not covered and you must take and retain images of your undamaged bodywork at the time of purchasing this policy as these may be referred to at the time of a claim.

More features
White car in showroom

We also offer multi policy discounts when combined with additional insurances!

* The above are simple, short descriptions of how each of these insurances work. As you would expect with all insurances, they each have Terms and Conditions and eligibility criteria. Please refer to the full Terms and Conditions document to assess suitability for your needs.

Abstract background
+

Options

Gap Insurance

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* The above are simple, short descriptions of how each of these insurances work. As you would expect with all insurances, they each have Terms and Conditions and eligibility criteria. Please refer to the full Terms and Conditions document to assess suitability for your needs.

Why we are different

"During my search, I found car2cover to be head & shoulders above the rest. An 'A' rated insurer, better cover than their competitors, a 5 star rating and half the price of my dealer."

Car Park

Impressive Numbers

2

'A' RATED INSURERS

5

STAR RATING

15

YEARS ONLINE

40

YEARS EXPERIENCE

Impressive Cover

“The difference between ordinary and extraordinary is that little extra."

Image of female customer

I W Leicestershire

This company is very easy to do business with. The website is very easy to use and when I had to make a claim a couple of years ago, they handled it very efficiently. Would recommend to anyone.

Female customer

J S Lancashire

Claim settled very quickly

These testimonials are voluntarily submitted by our policyholders to the independent review collecting organisation 'Trusted Shops'. All reviews are verified by them and published on their website. Images provided are not images of our policyholders

Male customer

JB B London.

This is the third policy I have had. I claimed once on a previous policy 3 years ago and service was prompt, efficient and quibble free

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