Motor - FAQ's For Scratch and Dents Cover

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.

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

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

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

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

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

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

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.

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

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.

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

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.