Is Scratch & Dent Insurance available to you?

4.9 out of 5 on Trusted Shops

Answer 'yes' to all of these - you may be able to buy!

Scratch & Dent Insurance applicants

Are you over 18 years of age and UK resident?

Does your vehicle have a purchase price of £100,000 or less?

Will you provide a fully comprehensive non motor trade insurance for the full period of cover?

Is/was your vehicle supplier a franchise dealer, ie a main dealer?

Have you or will you be purchasing this cover within 180 days from date of vehicle delivery?

Is your vehicle less than 7 years old?

Has your vehicle travelled no more than 70,000 miles at the start of this policy?

Is your vehicle a car?

Is your vehicle registered in the United Kingdom?

Do you hold a valid license to drive your vehicle?

You acquired your vehicle from a UK motor dealer, broker or Contract Hire or Leasing company?

Can you provide off road parking for the repair and provide access to electricity?

Answer 'yes' to any of these and 'sorry, we are unable to offer cover'.

Is your vehicle a grey import which was originally manufactured for use in another country?

If you are a company, is the company registered outside the UK, Channel Islands and the Isle of Man?

Is your vehicle left-hand drive?

Is your vehicle used for taxi, private hire, chauffeuring, emergency service, courier or driving school use?

Is your motor insurance a motor trade policy?

Are you aware of any pre-existing unrepaired minor cosmetic damage on your vehicle?

Has or will your vehicle be modified after delivery?

Do you intend to rally, race, pacemake, speed test or participate in track day or competitive events?

If you travel business mileage, is your total annual business mileage more than 20,000

Did you purchase your vehicle from an auction, non main dealer or private seller?

The above is a summary. Before purchasing please read the Terms and Conditions of this policy carefully to ensure it meets your needs and you meet it’s eligibility criteria. For full eligibility and policy Terms & Conditions please view the Terms and Conditions policy document.


Click2protect UK Limited
trading as
The Officers' Mess
Royston Road

CB22 4QH

email :   

tel : 01438 870615

Call us Monday - Friday 9am - 5.30pm

or Saturday 10am - 2pm

About logo

Quick Links


Authorised and Regulated