Scratch & Dent Insurance
Fix minor scrapes and dents without the excess
Scratch and dent insurance covers the small cosmetic knocks of everyday driving - light scratches, minor dents and scuffed bumpers - usually with no excess and without touching your main car insurance no-claim bonus.
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Scratch & Dent Insurance
- Minor scratches & scuffs
- Small dents
- No excess repairs
- Bonus protection
What's covered
What scratch & dent insurance covers
Minor scratches & scuffs
Light paintwork scratches and scuffs within a set size limit, repaired at approved centres.
Small dents
Minor dents and dings, such as car-park knocks, up to your plan's dimensions.
No excess repairs
Repairs are typically done with no excess to pay, unlike a standard car insurance claim.
Bonus protection
Claims don't affect your main policy, so your no-claim bonus stays intact.
Why it matters
Why scratch & dent cover matters
- Minor cosmetic repairs are often cheaper to claim here than through your main car policy.
- Claiming doesn't erode the no-claim bonus you've built up on your comprehensive cover.
- Fixing small damage promptly helps protect your car's resale or trade-in value.
- It's popular cover for newer cars and for vehicles under a bank or finance agreement.
- Repairs are usually quick, using approved smart-repair techniques rather than full panel work.
At a glance
- Minor scratches & scuffs
- Small dents
- No excess repairs
- Bonus protection
Get a scratch and dent insurance quote
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Scratch and dent insurance questions
How is this different from comprehensive car insurance?
Comprehensive cover handles major accident, theft and storm damage, usually with an excess and a possible hit to your no-claim bonus. Scratch and dent cover is a low-cost add-on for small cosmetic damage, repaired with no excess and without affecting your main policy.
Is there a size limit on the damage?
Yes. Each plan sets maximum dimensions for a scratch or dent to qualify, and larger damage falls to your comprehensive policy instead. Rust, mechanical faults and collision damage are excluded. Check the exact limits and exclusions when you compare cover.
Will using it affect my no-claim bonus?
Generally no. Scratch and dent claims are handled separately from your comprehensive car insurance, so your no-claim bonus stays intact. That's a key reason drivers add it for small knocks. Always confirm this with the specific provider before you rely on it.
Who is this cover best suited to?
It suits owners of newer or financed vehicles who want to keep the car looking good and protect its value. If you park in busy areas or shopping-centre lots where minor knocks are common, the low monthly cost can be worthwhile. Compare it as an add-on to your car quote.
