Scratch & Dent Cover
Pays for small cosmetic repairs, like scratches, scuffs and minor dents, through a smart repair network, without a claim on your main car insurance.
What's covered
- Minor scratches and scuffs on the paintwork
- Small dents repairable without a panel replacement
- Minor bumper scuffs
What's not covered
- Damage above the size limits in the policy
- Damage needing a panel replacement or full respray
- Rust, windscreen chips and wear and tear
- Accident damage you should claim on your car insurance
A summary only. The insurer's policy wording, sent with your quote, sets out the full cover, limits and excesses.
Who it's for
Newer cars, leased cars with return-condition rules, and drivers who park in busy places. Read our full guide.
How it works: leave your details below and a licensed adviser calls you with the premium and excess. There's no obligation, and you're only covered once the insurer confirms your cover in writing.
Get a Scratch & Dent quote
Free, no obligation. Takes 30 seconds. An adviser will call you with your quote.
Get a quote for other cover
Comprehensive Car Insurance · Third Party, Fire & Theft Car Insurance · Third Party Only Car Insurance · Car Warranty (Mechanical Breakdown) Cover
Scratch & Dent questions
Not necessarily, but most people take it alongside comprehensive cover. The insurer will confirm eligibility.
Policies usually cap the number of repairs or the total amount per year. The limits will be in your quote and policy wording.
Only once our licensed partner confirms it in writing and payment is set up. Most products also have a short waiting period.
Yes. We only ask for what the insurer needs to quote you. We never ask for card or bank details on this site. If you decide to take the cover, the debit order is set up directly with the insurer.
TrackerPrices SA is an independent information site. We are not an insurer or a licensed financial services provider, and nothing here is financial advice. Insurer details are summarised from each insurer's own published information, last checked September 2026. Cover, benefits and prices change, so always confirm them in your quote and policy wording. For a complaint about an insurer you can contact the free National Financial Ombud Scheme.