Scratch & Dent cover: small damage, without the big excess

Every car eventually collects them: the parking-lot ding, the stone chip, the scuffed bumper from a pillar that moved. Damage too small to justify a comprehensive claim — and too visible to ignore.

Why not claim on your main policy?

Two reasons. Your comprehensive policy carries an excess that often exceeds the cost of a minor repair, so you would fund most of it anyway. And claiming affects your claims history, which insurers price into future premiums. Small claims on a big policy are usually a bad trade.

What Scratch & Dent does instead

A Scratch & Dent policy is purpose-built for minor cosmetic damage: small dents, chips and scratches to the bodywork. Repairs run through approved repairers, excesses are minimal, turnaround is quick — and because it is a separate policy, your comprehensive claims record stays clean.

Pair it with Tyre & Rim

South African roads add their own category of small damage: potholes, kerbs and debris that destroy tyres and rims. Tyre & Rim cover handles exactly that, and the two policies together close the “small stuff” gap almost completely — for less than most people expect.

Ask us for a quote and we’ll tell you honestly whether it makes sense for your vehicle and driving profile.