Scratch & Dent Insurance

Scratch & Dent Insurance

What is Scratch and Dent Insurance?

 

Tired of those irritating chips, minor dents, light scratches and that little tear in your sweet leather seats? Don’t let them leave you with a headache and a hole in your pocket. Rather get Budget Scratch & Dent Insurance and keep your car in tip-top shape. We’ll fix any chips, minor dents, light scratches and tears without you needing to claim from your short-term car insurance policy. How nice is that?

We have 2 plans available for you to choose from:

Scratch & Dent Cover

 

You want to keep your car looking lekker on the outside. This plan provides cover for the repair of chips, minor dents and light scratches on the outside of your car. We also know that renewing your car’s licence can be a pain. That’s why we’ve included our Licence Support benefit. This comes in handy when renewing your car’s licence because we’ll handle all aspects of your renewal – from reminding you and ensuring you complete the necessary forms through to delivering the renewed licence disc to your door.

Scratch & Dent Inside-Out Cover

You love your chorrie and want it to look new on the outside and on the inside. Scratch & Dent Inside-Out covers repair of chips, minor dents and light scratches on the outside of your car as well as the repair of scratches, scuff marks and tears of parts on the inside of your car.

What can I claim for?

Scratch & Dent

 

Cover You can claim for the repairs of chips, minor dents and light scratches on the outside of your vehicle. Refer to terms and conditions for more detail on repair specifications.

Scratch & Dent Inside-Out Cover

 

You can claim for the repairs of chips, minor dents and light scratches on the outside of your vehicle and repair of scratches, scuff marks and tears of selected parts on the inside of your vehicle. This includes the centre console, dashboard, door handles etc. Refer to terms and conditions for a full list of parts covered for repair.

Important information:

  • Claims will not affect your short-term vehicle insurance policy.
  • Claims will also will not affect your Cash Back Plus payout.
  • No excess is payable on claims.
  • Unlimited number of claims.
  • All repair work has a 3-year guarantee.

Licence Support

 

Scratch & Dent cover includes access to our Licence Support benefit. Note this benefit is not available on Scratch & Dent Inside-Out.

What does Licence Support offer?

 

We’ll handle all aspects of your vehicle licence renewal, from renewal forms and documents through to delivering the renewed licence disc to your door, so you won’t have to worry about a thing. You only need to make payment for the licence.

Frequently Asked Questions

What is excluded from my cover?

  • Any damage not defined as a light scratch, chip, dent, tear or scuff mark
  • Damage as a result of hail or natural disasters
  • Pre-existing damage

 

Refer to Terms and Conditions for a full list of exclusions.

         Scratch & Dent Cover

         Scratch & Dent Inside-Out Cover

What are the limitations of Licence Support?

  • You may only claim for the car registered under the Scratch & Dent policy with the Licence Support benefit.
  • Your premium must be paid in full at the time of the car licence renewal.
  • You will be invoiced and liable for the payment of the actual licence renewal fee.
  • You must comply with all the legal and regulatory requirements of the National Road Traffic Act, 1996 (Act No. 93 of 1996) and other relevant legislation.

What is excluded from Licence Support?

  • Non-roadworthy car/s
  • Cars not specifically listed on your Scratch & Dent policy
  • The actual cost of the renewal of the car licence/s.

How do I make amendments?

  • To make changes to your policy you can call our customer care centre on 0860 10 55 38 and one of our helpful consultants will assist you.
    • Any change or cancellation will be effective from the time and date agreed to.
  • If we need to make changes or cancel your policy, we will give you 31 days’ written notice.

How do I claim?

To claim on your policy, contact our call centre on 0860 10 55 38 from Monday to Friday, between 08:00 and 17:00 and one of our helpful consultants will guide you through the process.

How do my payments work?

Your policy is payable on a monthly basis via debit order. Your premium is deducted on the date stated on your schedule to provide cover for the following month.

If, in the month after the activation of your policy (and onwards), we don’t receive your premium on the due deduction date, you will be allowed a 15-day period of grace in which to pay your premium. If we still do not receive your premium after these 15 days, you will not have cover for that month.

To download your Scratch & Dent terms and conditions, Click here

To download your Scratch & Dent Inside out cover terms and conditions, Click here