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Keep your car looking smart for up to 3 years

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What is Scratch & Dent Insurance?

We all enjoy the experience of picking up a showroom quality vehicle for the first time and it's a pleasure to maintain that quality of paint and bodywork finish - not least when it comes time to change vehicles at which point stone chips, scratches, minor dents from Car Park "wars", the odd bumper "kiss" can detrimentally affect the value of your vehicle.

Our Scratch & Dent Insurance will, for the duration of the policy, pay for the cost of repair resulting from minor body damage to your car.

Cover can be purchased for 12, 24 or 36 month durations (permitting 3, 6 or 9 claims respectively). The excess per-claim can be £0, £10, £15 or £20 and you can even choose cover for scuffs/dents up to 15cm, 20cm or even 30cm in length and/or diameter over one or two panels.

Scratch & Dent isurance can be bought independently without the need to purchase a GAP Insurance policy.

Policy Terms & Conditions

To review the current policy terms and conditions, please click the icons below:

The links below are to PDF documents. You'll need Adobe Reader in order to view them. This is free software already installed on most machines/devices, however should you need to download and install it, please click here.

Policy documentation will open in a new window.

Please note that all aftermarket repairs vary from that of an automotive factory finish, which is machine sprayed to a degree beyond that achievable by human capability - in short, repairs may remain slightly visible.

Cover Features

Please see our Cover Features below and compare carefully with any other policy you're considering.

If you cancel the policy within 30 days of purchasing it, so long as no claim has been made we'll refund your premium in full.

If you cancel the policy more than 30 days after purchasing it, so long as no claim has been made, we'll calculate (on the date of your cancellation request) the value of your remaining unused cover (on a daily pro-rata basis). You will then have the choice of either using that balance towards the cost of a new policy on a new vehicle or, to have the balance refunded.

NO cancellation, transfer or admin fees will apply either way.

If you cancel the policy more than 30 days after purchasing it and you HAVE made a claim, no refund of premium will be given.

The policy has no monetary claim limit but is instead limited by BOTH the size of the damaged area AND a maximum number of claims that can be made, as follows:

You can make a maximum of 3 (three) claims in 12 months, 6 (six) claims in 24 months or 9 (nine) claims in 36 months (limited to a maximum of 3 claims in any 12 months of cover), subject to the duration of cover purchased and the size of the damaged area as outlined below:

• Paint scuffs or scratches which are less than 150mm, 200mm or 300mm in length and/or diameter (subject to the level of cover purchased) and no deeper than 3mm;

• Paint chips which are less than 150mm, 200mm or 300mm in length and/or diameter (subject to the level of cover purchased) and no deeper than 3mm;

• Dents to your car’s bodywork, which are less than 150mm, 200mm or 300mm in length and/or diameter (subject to the level of cover purchased).

Note that each SMART repair which is completed will count as a single repair – e.g. one scuff and one paint chip would count as two repairs.

Please note that all aftermarket repairs vary from that of an automotive factory finish, which is machine sprayed to a degree beyond that achievable by human capability - in other words, repairs may remain slightly visible.

Cover is available in durations of 12, 24 or 36 months

If you sell your vehicle before the policy ends, so long as no claim has been made we'll cancel your policy and calculate (on a daily pro-rata basis) the value of your remaining unused cover.

You can then choose to either carry that balance forward against the cost of a new policy on a new vehicle, or have it refunded.

NO cancellation, transfer or admin fees will apply.

Unfortunately, if you've made a claim on the policy, no rebate of premium will be given.

Please note that in the event that you sell your vehicle the policy cannot be transferred to the new owner of your vehicle.

As an anti-fraud measure it's not possible to make a claim on the policy within the first 14 days of cover.

We're sure we've all been there though... you pick up a new car, you're a little unfamiliar with it's physical presence compared to your previous vehicle and you or (as in my case) your kids, open the door straight in to a wall the day after you picked it up. It happens! Grrr!

If you find that an incident occurs within the first 14 days, please contact us. We'll cancel your policy and give you a full refund which you can of course then use against the cost of having the damage repaired... and once it's been done, you can come back to us to take out another policy to protect against future damage.

Our policies are underwritten by UK General Insurance on behalf of Great Lakes Insurance SE via their UK branch.

Who are Great Lakes Reinsurance SE?

* - Great Lakes Reinsurance (UK) SE, was established in London in 1987. As of 2017 their HQ has been redomiciled to Munich and their name is now "Great Lakes Insurance SE". They are a wholly owned subsidiary of the group: “Munich Re” which was established in 1880.

* - Great Lakes had a gross written premium income of £2 billion in 2014.

* - Munich Re had a gross written premium of €50.4 billion in 2015.

* - Great Lakes have offices all around the world

Great Lakes Insurance SE, UK Branch, is authorised by Bundesanstalt für Finanzdienstleistungsaufsicht and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority.

This can be checked on the Financial Services Register at www.fca.org.uk/firms/systems-reporting/register or by calling them on 0800 111 6768 using FRN number 769884).

As a wholly owned subsidiary of the group Munich Re, they enjoy the Munich Re rating A+ (Superior) by A.M. Best.

More information about Great Lakes & Munich Re can be found on their website here.

The policy permits up to a maximum of 3 (three) claims in 12 months, 6 (six) claims in 24 months or 9 (nine) claims in 36 months.

However, you can only make a maximum of 3 (three) claims in any 12 months of cover.

Note that each SMART repair which is completed will count as a single repair – e.g. one scuff and one paint chip would count as two repairs.

Many other policies (even if your scratch/dent is within the maximum size limits) will NOT cover you if the scratch/dent affects more than one panel.

We prefer to give you the option and therefore allow you to choose to buy cover for just one panel or, for an extra premium, cover for a scratch/dent covering up to two panels.

You can buy Scratch & Dent insurance as a standalone policy. E.g. we don't force you to buy a GAP insurance policy at the same time.

All claims on this policy are handled by MB&G Insurance (see here) who are based in Newcastle Upon Tyne.

We're one of few companies that give you the option to choose a policy incorporating NO EXCESS to pay per claim.

Our full range of options are:

  • * - £0 Excess
  • * - £10 Excess
  • * - £15 Excess
  • * - £25 Excess

Cover Options Available

Possibly the most flexible Scratch & Dent insurance policy available online. We're proud of what we've created in collaboraton with our underwriters and we're confident that you'll appreciate the ability to customise your policy using the options below to acquire the exact level of cover you require:

Duration

12, 24 or 36 months

Keep your car looking great for up to 3-years

Per Claim Excess

£0, £10, £15 or £25

Flexible per-claim excess options

Size of Damage

15cm, 20cm or 30cm

Policies from other providers will usually limit cover only to damage up to 15cm in length/diameter

Panel Qty

1 or 2 panel

Policies from other providers will normally exclude cover for damage that affects more than a single body panel (e.g. a scratch from door to wing)

Am I Eligible For Scratch & Dent Insurance?

You can buy Scratch & Dent insurance if:

  • Your vehicle is NOT a van, motorcycle, scooter or moped.
  • Your vehicle is less than seven (7) years old.
  • Your vehicle has covered up to 70,000 miles.
  • You took ownership/delivery of your vehicle within the last 60 days (or have not yet taken delivery of it).
  • You purchased (or are purchasing) your vehicle from a Motor Dealer.
  • Your vehicle was bought cash outright or, is financed by way of a personal loan (secured or not), HP, PCP or Conditional Finance Agreement or, is leased.
  • You are a permanent resident in the mainland of either England, Scotland or Wales.
  • Your vehicle is NOT a taxi, self-drive hire car, used by driving schools or for driving tuition, a service car (e.g. ambulance, police car or other emergency vehicle).
  • Your vehicle is NOT used for commercial purposes (including dispatch and delivery) or, owned by a motor trader or motor dealer or by a company or firm.
  • Your vehicle is NOT used in competitions, rallies for pace making or used off-road.
  • Your vehicle does NOT have a non-standard or custom paint finish - including but not limited to: pearlescent paint, self-healing paint, chrome illusion paint, two tone paint, vinyl wraps and matte finishes.

You can NOT buy Scratch & Dent insurance if:

  • Your vehicle IS a van, motorcycle, scooter or moped.
  • Your vehicle is more than seven (7) years old.
  • Your vehicle has covered more than 70,000 miles.
  • You took ownership/delivery of your vehicle more than 60 days ago.
  • You purchased (or are purchasing) your vehicle from a private seller.
  • You are NOT a permanent resident in the mainland of either England, Scotland or Wales.
  • Your vehicle IS a taxi, self-drive hire car, used by driving schools or for driving tuition, a service car (e.g. ambulance, police car or other emergency vehicle).
  • Your vehicle IS used for commercial purposes (including dispatch and delivery) or, owned by a motor trader or motor dealer or by a company or firm.
  • Your vehicle IS used in competitions, rallies for pace making or used off-road.
  • Your vehicle DOES have a non-standard or custom paint finish - including but not limited to: pearlescent paint, self-healing paint, chrome illusion paint, two tone paint, vinyl wraps and matte finishes.

Frequently Asked Questions

No doubt you'll have questions about how our policy functions, so here's a list of the most frequently asked questions

At present it is not possible for you to renew this policy upon expiry.

We therefore recommend that you buy a longer policy duration and remember, so long as no claim has been made, if you're cancelling the policy prior to expiry (for example if you sell the vehicle), we'll give you a daily pro-rata rebate of unused premium that you could then either use against the cost of a new policy on a new vehicle OR have refunded.

Unfortunately we cannot cover an incident or damage which has occurred prior to the policy being purchased.

Yes. If for any reason you are unhappy with the work provided by your repair technician you can rest assured that your repair is guaranteed for as long as you own the vehicle.

We are the broker of the policy, not the underwriter, therefore us going out of business would have no detrimental affect on your policy

Our policies are underwritten by UK General Insurance on behalf of Great Lakes Insurance SE.

See "Insurer Details" under "Cover Features" for more information about Great Lakes Insurance SE.

We (Pickles & Burns Ltd) are an Appointed Representative of Frank Pickles (Insurance Brokers) Ltd) who, along with UK General and Great Lakes, are all authorised and regulated by the Financial Conduct Authority (FCA). Thus, if you buy a policy from us, you're ultimately covered by the Financial Services Compensation Scheme (FSCS)

Consequently, in the event that Great Lakes were no longer around at the time of claim, the FSCS would step in to pay up to 90% of that claim for you.

You must report your claim within 30 days of the damage occurring. Failure to do so without good reason, may mean that we cannot check the circumstances of your claim, or that the amount of the claim is more than it would have been than if you had notified us earlier and as a result we may not pay part or all of your claim.

You can purchase cover for 12, 42 or 36 month durations

You can make a maximum of 3 (three) claims in 12 months, 6 (six) claims in 24 months and 9 (nine) claims in 36 months (limited to a maximum of 3 (three) claims in any 12 months of cover) subject to the duration of cover purchased.

Note that each SMART repair which is completed will count as a single repair – e.g. one scuff and one paint chip would count as two repairs.

Please note that all aftermarket repairs vary from that of an automotive factory finish, which is machine sprayed to a degree beyond that achievable by human capability - in other words, repairs may remain slightly visible.

If you sell your vehicle before the policy ends, so long as no claim has been made we'll cancel your policy and calculate (on a daily pro-rata basis) the value of your remaining unused cover.

You can then choose to either carry that balance forward against the cost of a new policy on a new vehicle, or have it refunded.

NO cancellation, transfer or admin fees will apply.

Unfortunately, if you've made a claim on the policy, no rebate of premium will be given.

Please note that in the event that you sell your vehicle the policy cannot be transferred to the new owner of your vehicle.

No, unfortunately not. We are not able to cover certain types of car under this policy. Before purchasing, please check to ensure that your car is not one of the following. If you need any advice please contact us.

• Taxis, self-drive hire cars, cars used by driving schools or for driving tuition, service cars – e.g. ambulances, police cars and other emergency vehicles etc.

• Any cars used for commercial purposes (including dispatch and delivery), or any car which is owned by a motor trader or motor dealer or by a company or a firm – this policy will only cover cars which are owned by a private individual.

• Vans, motorcycles, scooters and mopeds.

• Any car which is used in competitions, rallies, for pace making or used off-road.

• Any car which has a non-standard or custom paint finish – including but not limited to: pearlescent paint, self-healing paint, chrome illusion paint, two tone paint, vinyl wraps and matte finishes.

• Any car which is 7 years or older from the date of first registration, or where the total mileage is greater than 70,000 at; or where you took delivery of the vehicle more than 30-days prior to, the start of the period of cover.

No, the policy has no monetary claim limit but is instead limited by BOTH the size of the damaged area AND a maximum number of claims that can be made, as follows:

You can make a maximum of 3 (three) claims in 12 months, 6 (six) claims in 24 months or 9 (nine) claims in 36 months (limited to a maximum of 3 (three) claims in any 12 months of cover), subject to the duration of cover purchased and the size of the damaged area as outlined below:

• Paint scuffs or scratches which are less than 150mm, 200mm or 300mm in length and/or diameter (subject to the level of cover purchased) and no deeper than 3mm;

• Paint chips which are less than 150mm, 200mm or 300mm in length and/or diameter (subject to the level of cover purchased) and no deeper than 3mm;

• Dents to your car’s bodywork, which are less than 150mm, 200mm or 300mm in length and/or diameter (subject to the level of cover purchased).

Note that each SMART repair which is completed will count as a single repair – e.g. one scuff and one paint chip would count as two repairs.

Please note that all aftermarket repairs vary from that of an automotive factory finish, which is machine sprayed to a degree beyond that achievable by human capability - in other words, repairs may remain slightly visible.

When buying a policy you can specify what excess you'd be prepared to pay per-claim and you can choose from £0, £10, £15 or £25.

It goes without saying that the higher the excess you're prepared to pay per-claim, the cheaper the policy will be

As an anti-fraud measure it's not possible to make a claim on the policy within the first 14 days of cover.

We're sure we've all been there though... you pick up a new car, you're a little unfamiliar with it's physical presence compared to your previous vehicle and you or (as in my case) your kids, open the door straight in to a wall the day after you picked it up. It happens! Grrr!

If you find that an incident occurs within the first 14 days, please contact us. We'll cancel your policy and give you a full refund which you can of course then use against the cost of having the damage repaired... and once it's been done, you can come back to us to take out another policy to protect against future damage.

This policy covers the cost of repairing cosmetic/minor body damage to your car. That is to say damage such as: paint chips, scuffs, scratches and dents.

You would contact MB&G Insurance Services Ltd on 0191 258 8118 as soon as their office re-opens.

A 'Small to Medium Area repair Technique' (SMART), used by the approved repairer to repair the following types of damage:

• Paint scuffs or scratches which are less than 150mm, 200mm or 300mm in length and/or diameter (subject to the level of cover purchased and as shown on your schedule) and no deeper than 3mm;

• Paint chips which are less than 150mm, 200mm or 300mm in length and/or diameter (subject to the level of cover purchased and as shown on your schedule) and no deeper than 3mm;

• Dents to your car’s bodywork, which are less than 150mm, 200mm or 300mm in length and/or diameter (subject to the level of cover purchased and as shown on your schedule).

Note that each SMART repair which is completed will count as a single repair – e.g. one scuff and one paint chip would count as two repairs.

Please note that all aftermarket repairs vary from that of an automotive factory finish, which is machine sprayed to a degree beyond that achievable by human capability - in other words, repairs may remain slightly visible.

All claims must be authorised by the claims administrator, MB&G Insurance Services Ltd and you can contact them on 0191 258 8118. They may ask for some electronic images of the damage to pass on to our approved repairer who will then contact you to arrange to carry out the repair at a time and location convenient to you.

In the first instance, you need to contact the claims administrator; MB&G Insurance Services Ltd on 0191 258 8118 for authorisation within 30-days of the damage occurring. They will then assist in arranging for our approved repairer to carry out the repair at a time and location convenient to you.

Our approved repairer is: https://revive-uk.com/