Add-on cover · Cosmetic repairs

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 getting a quote works

  1. Leave your details below. It takes 30 seconds, and no card or bank details are needed.
  2. Get a call. A licensed adviser contacts you, asks a few questions about you and your car, and gives you the premium and excess.
  3. Decide. There's no obligation. If you're happy, you accept the quote and set up the debit order with the insurer.
  4. You're covered from the start date on the policy schedule the insurer sends you.

Important: requesting a quote isn't proof of cover. You're only insured once the insurer confirms your cover in writing. Keep any existing insurance until then.

Get a Scratch & Dent quote

Free, no obligation. Takes 30 seconds. An adviser will call you with your quote.

Sending your quote request…

Get a quote for other cover

Car insurance

Comprehensive Car Insurance

Our widest cover: your own car is covered for accidents, theft, hijacking, fire and weather, and you're covered for damage you cause to other people's property.

Priced on quote

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Car insurance

Third Party, Fire & Theft Car Insurance

Covers your car against theft, hijacking and fire, and covers you for damage you cause to other people's property. It doesn't pay for accident damage to your own car.

Priced on quote

Get a quote →
Car insurance

Third Party Only Car Insurance

The minimum sensible cover. It pays for damage you cause to other people's cars and property, so you aren't personally liable for their repair bill. Your own car isn't covered.

Priced on quote

Get a quote →
Add-on cover

Car Warranty (Mechanical Breakdown) Cover

Covers the cost of repairing or replacing covered mechanical and electrical parts that fail suddenly, which car insurance doesn't cover.

Priced on quote

Get a quote →

Scratch & Dent questions

Do I need car insurance to take scratch and dent cover?+

Not necessarily, but most people take it alongside comprehensive cover. The insurer will confirm eligibility.

How many repairs can I claim?+

Policies usually cap the number of repairs or the total amount per year. The limits will be in your quote and policy wording.

When does my cover start?+

Only once our licensed partner confirms it in writing and payment is set up. Most products also have a short waiting period.

Is it safe to request a quote online?+

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.

Tracker Prices 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.