What is Scratch & Dent Insurance?
Scratch and Dent insurance is designed to cover minor body damage to your car.
You can choose to pay annually or spread the cost monthly, and your insurer will cover the cost of repair up to the limit of indemnity in the policy wording when you make a valid claim. Whilst scratches and dents may be covered under some motor insurance policies, the level of compulsory excess, paid in the event of a valid claim, means it is highly likely that the policyholder will pick up the cost of repair and impact your claim record.
A Scratch & Dent policy has been specifically designed to Cover the risk of minor body damage to your vehicles paintwork.
What Does SMART Repair Insurance Cover?
Dents
Less than 300mm in length and/or diameter, 3mm in depth, and within a maximum of one body panel
Paint Scratches
Less than 300mm in length and/or diameter, 3mm in depth, and within a maximum of one body panel
Paint Chips
Less than 300mm in length and/or diameter, 3mm in depth, and within a maximum of one body panel
How much does SMART Insurance cost?
At The SMART Repair People, we’re dedicated to providing premium service at a price that works for you. That’s why Scratch and Dent Insurance starts from just £15 per month – offering a simple and affordable way to keep your car in pristine condition. With coverage for up to three claims per year, this policy protects your vehicle from scratches, dents, scuffs, and paint chips, helping you maintain its value and appearance.
Unexpected repairs can be costly, with UK drivers spending over £1.4 billion annually on minor vehicle damage*. Scratch and Dent Insurance is a smart investment that can save you from expensive out-of-pocket repairs while keeping your car looking showroom fresh. Whether you’re navigating tight parking spaces or dealing with unpredictable road hazards, you can drive with confidence knowing you’re covered.
Protect your car, preserve its value, and enjoy every journey without worry – because your car deserves to look as good as it drives.
SMART Insurance
Protect your car all year round- 3 Claims Per Year
- Dent Repairs
- Scratch Repairs
Is dent & scratch insurance actually worth it?
At the end of the day, you’re the only person who can decide if Scratch and Dent insurance provides the protection and peace of mind you are looking for. Here are some things to consider when deciding.
Firstly, scratches are almost inevitable. Unless you keep your car in a garage and never drive it, you’ll probably get a scratch at some point. And whether it be caused by another person, another vehicle, bad weather conditions, overhanging branches or an animal, most of the time, scratches are out of your control. Of course, it’s true that you could just leave those scratches in place, but do you really want to leave your car looking like that? Also, when the time comes to sell your car, those seemingly small scratches could decrease its value.
Secondly, dents are almost as common and even more likely to decrease your car’s value. While the average car driver might run into fewer dents than scratches, they’re still fairly common, and the most unexpected things can cause them. Have you ever parked beneath a tree? Anything falling from that tree (like acorns or pine cones)
Who is this insurer?
Scratch and Dent Insurance is arranged for you by Stubben Edge (Risk) Limited who will act on your behalf and is underwritten by 1Edge Insurance PCC Limited.
Stubben Edge (Risk) Limited (company number 09073942), is authorised and regulated by the Financial Conduct Authority (‘FCA’) reference number 943286.
* Source: Telegraph