10% off Scratch and Dent Insurance

10% Discount


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.

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.

Pricing

Fixed: 10% off
Pricing model: Discount

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Benefits

  • 10% discount for Autoserve Club members
  • Piece of mind

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Feedback

Read genuine feedback from members who have purchased and used this product:

Great customer service, would highly recommend 

Evie JamesEvie James
Fantastic service. Tom was helpful both on line via chat an when I took out the policy via phone The saving compared to dealer quote was amazing

Mark NewbyMark Newby

Outstanding value compared to the dealership sky high prices

Steve StreetSteve Street
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FAQ

Is there an excess I’ll have to pay?

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

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 as a service car (e.g. ambulance, police car or other emergency vehicle).
  • Your vehicle is NOT used for dispatch and/or delivery or,owned by a motor trader or motor dealer.
  • 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 as a service car (e.g. ambulance, police car or other emergency vehicle).
  • Your vehicle IS used for dispatch and/or delivery or,owned by a motor trader or motor dealer.
  • 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.

How many claims can I make on the policy?:

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.

Can I purchase Scratch and Dent Insurance if I don’t have GAP insurance?

Yes, Scratch and Dent Insurance can be bought independently without the need to purchase a GAP Insurance policy.

What Is Covered?

If your car requires repair as a result of  scuffs, scratches or dents then in exchange  for your premium payment, this policy will  provide cover for repairs which can be  completed using the Small to Medium Area  Technique (SMART).

This means:

  • 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 the  policy 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 the policy 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 the policy schedule).  The  policy  will  cover  scuffs,  scratches  or  dents to a maximum of two external panels  of  the  car  (subject  to  the  level  of  cover  purchased and as shown on your schedule).

What Is Not Covered?

  • Any car which is an excluded car.
  • If you permanently live outside of  the mainland of either England,  Scotland or Wales.
  • If your car is 7 years or older, or  the mileage is 70,000 or more at;  or you took delivery of your car  more than 60‐days prior to the  start of the period of cover.
  • Claims should be reported within  30 days of the damage occurring.
  • Any claim which  the supplier approved  repairer advises is not suitable for  a SMART repair.
  • Claims arising within 14 days of  the start date of the first period of  cover.
  • Claims occurring before or after  the period of cover.
  • Cars which were already damaged,  prior to the start of the period of  cover.
  • More than 3 (three) SMART  repairs in any 12 months of cover,  or any claim for repairs not  completed by an approved  repairer.

8 Total Score
How does this offer rate?

Here is the total score for the offer based on customer reviews. Below is how the offer rates in the different areas for which it can be rated, including the customer experience at the offer website.

Good Price
8
Good Saving
8
Supplier Website
8
Supplier Service
8
PROS
  • Peace of mind insurance
  • UK market leading provider
  • Good claims handling reviews
User Rating: 5 (1 votes)

In late 2003, whilst working for a popular online Car Dealer, David (founder of GAPinsurance.co.uk) was tasked with creating a website from which they could sell GAP insurance to the customers who they sold cars to. Spotting a gap in the market (no pun intended) he soon set about forming his own company that would become the UK's first dedicated online provider of GAP insurance, from which the UK's car-buying public could buy GAP insurance regardless as to from where they'd bought their cars. He named that company "Surf and Protect" and in March 2004, SurfandProtect.com was born.

Shortly afterwards "GAPinsurance.co.uk" was set up as a trading style of Surf and Protect and the company grew from strength to strength until, in mid 2009, with the company well established as the largest online broker of GAP insurance of the time, he sold the business and emigrated to live in New Zealand, becoming a full-time stay-at-home Dad to his two (which soon became three) young boys, in the process.

GAPinsurance.co.uk as we know it today formally relaunched in May 2012 with David acting as consultant. By late 2012 there was a pressing need for David to take on a more hands-on role and so, in December 2012 he and his family returned to the UK and together, David and Andrew set about developing GAPinsurance.co.uk proper.

Since then, GAPinsurance.co.uk has gone from strength to considerable strength, smashing all previous records year on year and demonstrating an almost unrivalled dedication to customer satisfaction through championing the consumer and making waves that the industry has had no choice but to sit up and pay attention to.

GAPinsurance.co.uk is a trading style of Pickles & Burns Ltd, an Appointed Representative of Frank Pickles (Insurance Brokers) Ltd which is Authorised and Regulated by the Financial Conduct Authority (FCA No. 305297). You can check this on the FCA Register by visiting: https://register.fca.org.uk

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