Scratch & Dent Insurance

Scratch & Dent Insurance helps cover the cost of repairing minor cosmetic damage to your vehicle’s bodywork. This can include small chips, light scratches, minor dents, scuffed bumpers and eligible alloy wheel damage.

The policy is designed for damage that can be repaired using specialist SMART repair techniques. These repairs are usually carried out by approved repairers and are intended to restore the affected area without needing a full bodyshop repair.

Cover includes up to 5 repairs for each 12-month period of cover.

For the damage to be eligible, it must fall within the policy limits. These include:

• Chip: no more than 5mm in diameter and 3mm in depth.
• Light scratch: no more than 30cm in length, 3mm in depth and affecting no more than two body panels.
• Minor dent: no more than 30cm in diameter, 3mm in depth and affecting no more than two body panels.
• Scuffed bumper: a scuff or dent to a bumper no more than 30cm in diameter or 3mm in depth.
• Alloy wheel damage: scratches or kerb damage to the original alloy wheels fitted to your vehicle.

Each claim is limited to one minor cosmetic repair. Where multiple areas of damage are caused by the same incident, they may be treated as one claim, provided the total damaged area is no larger than 30cm in diameter or 3mm in depth.

Damage that is larger than these limits, or which is expected to take more than four hours to repair, will not be treated as minor cosmetic damage under the policy.

No, Scratch and Dent Insurance does not include any damage to your windscreen.

Even minor bodywork damage can be expensive to put right. If left unrepaired, small chips, dents or scratches may also become more noticeable over time and could affect the overall appearance and value of your vehicle.

Sura Scratch & Dent Insurance helps take the stress out of everyday cosmetic damage by covering the cost of eligible minor repairs, subject to the policy terms and limits. It’s a simple way to help keep your car looking its best without relying on your standard motor insurance.

Your standard motor insurance may cover cosmetic damage, but it is not always the most practical option for smaller repairs. In many cases, the cost of fixing a minor scratch, dent or scuff may be less than your motor insurance excess, meaning a claim may not be worthwhile.

Sura Scratch & Dent Insurance gives you a simpler way to deal with eligible minor cosmetic damage, helping you avoid unnecessary claims on your main motor insurance and reducing the risk of affecting your No Claims Bonus.

The policy also includes cover for eligible alloy wheel repairs, helping protect both your vehicle’s bodywork and wheels.

No. Gap Insurance and cosmetic car insurance are separate products designed for different situations.

Gap Insurance is intended to help if your vehicle is written off or stolen and declared a total loss. Depending on the type of Gap cover you choose, it can help cover the difference between your motor insurer’s settlement and either the amount you originally paid for the vehicle or the amount still owed to your finance company.

Scratch & Dent Insurance is designed for minor cosmetic damage, such as eligible chips, light scratches, small dents, scuffed bumpers and alloy wheel damage.

No. You do not need to buy Scratch & Dent Insurance when you first purchase your vehicle.

You can take out cover provided your vehicle is not over 10 years old and has covered no more than 100,000 miles.

As with any insurance policy, eligibility criteria, exclusions and limits apply, so please check the policy wording for full details before buying.

Yes. Scratch & Dent Insurance can be available whether you bought your vehicle outright or through a finance agreement.

The important point is that the vehicle must meet the policy eligibility criteria, and the cover must be purchased alongside a GAP Insurance policy.

Please check the policy wording for full eligibility details, exclusions and cover limits before buying.

Yes. If your vehicle suffers eligible minor cosmetic damage from an incident that was your fault, you can still make a claim under your Scratch & Dent Insurance.

However, cover will not apply where the damage is caused by fraud, dishonesty or false actions.

As with all insurance policies, exclusions and limits apply, so please check the policy wording for full details.

To be eligible for Scratch & Dent Insurance, your vehicle must be no more than 10 years old and must have covered fewer than 100,000 miles at the time you buy the policy.

Yes, your car scratch insurance will include anyone who is covered by your comprehensive motor policy as a named driver.

Scratch & Dent Insurance can be purchased at any time, provided your vehicle meets the policy eligibility criteria.

You may be asked to provide photos showing the existing condition of your vehicle. This helps confirm the vehicle’s condition at the time the policy is taken out and ensures any future claims are assessed fairly.

The policy should always be in the name of the owner / hirer or registered keeper of the vehicle.

Yes. A 14-day waiting period applies from the start date of your Scratch & Dent Insurance policy.

This means no claims will be accepted during the first 14 days of cover.

The same 14-day waiting period also applies to Alloy Wheel Insurance and Tyre Insurance policies.

Policy documents together with confirmation of payment are sent by email as soon as you purchase your smartcare insurance.

If your vehicle suffers eligible cosmetic damage, you should contact the policy administrator on 0114 321 9877 within 30 days of the incident.

You will be asked to provide some key details, such as your policy number and vehicle registration.

If your claim is accepted, you will be put in touch with an approved repairer, who will arrange for the repair work to be carried out.

No, you can make a claim on your scratch insurance without affecting your motor insurance policy.

Yes, there is an excess of £10 payable on each claim.

There are some situations where your Scratch & Dent Insurance will not provide cover.

For example, the policy will not cover damage to horizontal flat surfaces, such as the roof or bonnet. It also will not cover distortions, rips, tears or perforations.

Any repair work must be authorised by the administrator before it is carried out. Repairs completed without prior authorisation will not be covered.

These are only examples of policy exclusions. Please check the policy wording for the full list of exclusions, limits and conditions that apply.

We aim to make buying cover as simple as possible.

You can get a Scratch & Dent Insurance quote online in just a few steps. Simply choose your preferred policy length and enter your vehicle details to see the cover available.

Alternatively, you can contact our team and we’ll guide you through the process clearly and without unnecessary hassle.

Our team can help explain the cover, answer any questions and make sure you have the information you need before deciding whether the policy is right for you.

Sura is an online insurance provider, which helps us keep our operating costs lower than many traditional sales channels, such as motor dealers.

By focusing on a simple online journey and working with trusted insurance partners, we aim to offer quality cover at a competitive price.

A lower price does not necessarily mean a lower-quality policy. It means we have built our process to be efficient, straightforward and focused on giving customers fair value.

As always, you should check the policy wording, cover limits and exclusions to make sure the product is right for you before buying.

The insurer of this policy is Helvetia Global Solutions Ltd, UK Branch. Establishment number: BR024650. Helvetia Global Solutions Ltd is authorised and regulated by the Liechtenstein Financial Market Authority, Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Registered on the Financial Services Register under the firm reference number 454140.

The policy is administered by Spectrum Insurance Services Limited who will provide administrative services on our behalf. Spectrum Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 309230). This information can be checked by visiting the Financial Conduct Authority’s website. Spectrum Insurance Services Limited is registered in England: under company number 05129413.

If you sell your vehicle during the policy term, you may be able to transfer the remaining benefit of your cover.

If you sell the vehicle privately, you may be able to transfer the policy to the new owner. This does not apply where the vehicle is sold through a garage, motor trader, auctioneer or similar business.

A £35 administration fee applies to this type of transfer. The transfer is subject to approval by the administrator, and the fee will be refunded if the transfer is not accepted.

Alternatively, if you sell your vehicle, you may be able to transfer the remaining cover to an eligible replacement vehicle. This is subject to the administrator’s agreement. The first vehicle transfer is free of charge, but any further transfers will be subject to a £35 transfer fee.

You may need to provide proof that the replacement vehicle is free from damage before the transfer can be accepted.

If the replacement vehicle does not meet the policy eligibility requirements, the transfer will be declined and any transfer fee paid will be refunded.

All transfer requests must be made within 30 days of the date you sell your vehicle.

Should you decide that you no longer want or require your Smartcare Insurance, you can cancel within a 30-day grace period (more than twice the legal obligation of 14 days) and receive a full refund. If those 30 days have elapsed, you will be refunded on a pro rata basis, minus a £35 cancellation fee.