Scratch & Dent Cover | Compare Quotes in 2 min

*Hippo users who compared multiple insurance quotes, including Car Insurance, saved an average of R1,208 per month

Compare trusted Scratch & Dent Cover brands.

We're always working to add more brands for our customers. If you don't see a brand, that's their decision.

All our insurer partners are licenced Insurers and FSP's We are always trying to add more brands for our customers. If you don't see a brand, that's their decision.

How to compare insurance quotes

Hippo simplifies the process by letting you compare insurance quotes side by side, so you can find one that works best for you.

Get started

Head to the top of this page to get started with your quote.

Answer a few questions

Fill in a few details about yourself and the product you’re looking for.

Get your quotes

Compare plans from multiple insurers. No need to enquire separately.

Pick your plan

Choose an insurer, then a representative will get in touch to finalise your cover.

Real reviews and real savings

South Africans think we’re lekker. But don’t just take our word for it. See what they have to say:

I find Hippo a very useful tool for comparing quotations and sometimes the quotes I have received from Hippo ended being exactly the same when I spoke and finalised with the chosen insurance company. And most of my insurance policies are sourced through Hippo

Anonymous

Was efficient and helpful. Didn't like that, to conclude, my details were automatically sent. Was using the site as a price gauge and am not ready to commit yet. But I probably just needed to pay more attention. Excellent experience overall

Anonymous

It was my first time using hippo and wow the service and recommendations were excellent. Am very much happy with the quote and the turn around time, I received from both hippo and momentum insurance

Anonymous

Independent Service rating based on 20 704 service ratings.

Hippo mascot thinking with a tilted head

Dings happen. Keep your car covered.

Why do you need Scratch & Dent cover?

Protection for minor vehicle damage

Scratch and Dent insurance covers the repair of small dents, chips and scratches in the event of accidental damage to the bodywork of your vehicle.

When scratches happen out of nowhere

We all try to take the greatest care of our vehicles, keeping them in the best condition possible. That being said, it sometimes seems as though small scratches and dents just appear on your car - as if out of nowhere! Other times, it’s the post you didn’t see or the intercom you misjudged…

Affordable cover for everyday bumps

More often than not it can be frustrating to claim from your insurance for something so small, but that’s why you can get small dents and scratches insurance specifically to cover your car against things like this.

Compare quotes and keep your car in top shape

Hippo.co.za will get you quotes in a flash from different providers to compare side by side, so that you can choose the right cover to keep your car in showroom condition.

Not sure what your service plan really covers?

The ins ‘n outs of Scratch & Dent Cover

Hippo’s top tips to getting more out.

2026-07-17

Car modifications: Will they affect your Car Insurance?

2026-07-08

Comparing second-hand SUVs under R350K

2026-05-29

Essential Car Cover every South African needs

2026-05-21

Business Car Insurance in South Africa: What you need and why it matters

Scratch & Dent FAQs

What is scratch and dents insurance?

Scratch and dent insurance covers the repair of small dents, chips and scratches in the event of accidental damage to the bodywork of your vehicle.

When does cover commence?

Cover is immediate upon payment of your first premium however claims are not allowed within the first 30 days.

How long will the policy cover me for?

For as long as you pay the monthly premium or when your vehicle is older than 30 years.

How old can my car be to buy scratch and dent insurance?

Up to 30 years old at the date of purchase of the policy.

Whose name should the policy be in?

The policy should always be in the name of the registered owner of the vehicle.

Are any vehicles excluded under this policy?

Yes, all vehicles used for hire and reward, transportation of goods, quad bikes, motor bikes and commercial vehicles over 3500 kg gross weight.

Why can I not pay for my licence plate / new bumper / replacement of the fender / badge of my car?

One of the general exceptions of this policy is that it will not replace any body panel or part.

Why can I not claim for damages all around my vehicle that happened during the course of the past year?

The policy is not designed to cover damages that were accumulated over a period of time. It is therefore advised to immediately advise your insurance company of any incident that resulted in damage (however slight) to your vehicle.

I have damaged another party's vehicle in the incident, can I claim for their damages as well?

Due to the small cost involved in terms of premium, your policy will generally not allow for any liability claims whatsoever.

Is pre-existing damage covered?

No – The reason for this is that cover for all future damage will commence after the inception date as stated on your agreement, and the activation premium has been received, all damages before this will be noted as pre-existing and are not covered.

How many days do I have in which to make a claim?

This is stipulated in the terms and conditions in your policy. You generally have 30 days to make a claim from the date of your incident

Are there any specific exclusions?

There will be no cover under this policy in respect of: Any damage which in the Insurer's discretion is deemed to have been incurred as a result of a collision or other accident and not as a result of day to day motoring. Any damage which is not defined as a "chip", "scratch" or "dent"" Any damage falling outside the Period of Insurance. Any damage caused by hail or by rust or by corrosion or any other gradually operating cause.

You can compare more than just Scratch & Dent Cover quotes.

Put yourself in the driver’s seat of your dream car and keep it looking brand-spanking new with value-added insurance products, provided by trusted and reliable South African insurers.

Funeral Cover

Covers the immediate costs associated with a funeral. Premiums are influenced by your age, number of policy members and amount of cover.

Personal Loans

Compare rates across multiple lenders to find a fair deal. Rates vary based on your credit profile and chosen loan term, so comparison matters.

Medical Aid

Gives you access to private healthcare. Compare plans, benefits and costs to find the right fit without paying for cover you don't need.

Car Insurance

Covers your vehicle against damage, theft and third-party claims. Premiums vary by driving history, usage, vehicle model and where you park overnight.

Medical Gap Cover

Covers the difference (shortfall) between what your Medical Aid pays and what a specialist charges. Gap Cover is not a substitute for Medical Aid.

Medical Insurance

More flexible and affordable than Medical Aid, Medical Insurance covers day-to-day health needs or specific procedures. This product is not a substitute for Medical Aid.

Business Insurance

Protects your business’ property, assets and third-party liability. The right cover depends on the nature, size and risk profile of your operations.

Life Insurance

Provides financial security for your dependants. Ensure your home loan, rental costs, debt and children’s tuition are taken care of when you pass.

Building Insurance

Covers the physical structure of your property against damage. Compare quotes to make sure you're not overpaying.

Home Contents Insurance

Covers your home's contents against damage, theft and loss. Compare quotes to find the most competitive rate.

Motorbike Insurance

Covers your motorcycle against damage, theft and third-party claims. Premiums vary based on your personal profile.

Pet Insurance

Vet bills can add up quickly, especially when unexpected. Compare quotes to find a policy that fits your fur baby’s needs (and your monthly budget).

Travel Insurance

Protects you against unexpected medical and/or flight-related costs when travelling locally or abroad. Premiums vary based on the type of cover you opt for.

Home Fibre

Fibre prices and speeds vary significantly by area and provider. Find the fastest, most affordable package without contacting each provider separately.

Motor Warranty

Protects you against unexpected mechanical and electrical repair costs after your manufacturer warranty expires. Compare plans to find the right level of cover for your vehicle.

Tyre and Rim cover

Covers the cost of repairing or replacing damaged tyres and rims. Compare plans to find affordable cover that protects you against one of South African motoring's most common expenses.

Motor Warranty

Protects you against unexpected mechanical and electrical repair costs after your manufacturer warranty expires. Compare plans to find the right level of cover for your vehicle.

Vehicle Tracking

Helps protect your vehicles by assisting with recovery in the event of theft. Many providers also use Vehicle Tracking to flag when your vehicle is in an unfamiliar area.