5 Reasons To Get Scratch & Dent Insurance

There are many aspects to your car's maintenance and upkeep that you've probably never considered before — or assumed were covered under your primary insurance policy. If you want to experience true peace of mind and complete protection, having a portfolio of complementary insurance products will offer you more coverage than a single one. Scratch & Dent Insurance from Auto &

General falls under this umbrella, and it can provide you with a surprising number of benefits while saving you time, money and effort. If you're still unconvinced or have questions such as ”How does scratch & dent cover work?” or ”Is scratch & dent insurance worth it?” here are five reasons why scratch & dent insurance is worth adding to your insurance arsenal.

Reason #1: You can make an unlimited number of claims

Scratches and dents are incredibly annoying and are hard to avoid. While you can take extra care when driving and parking, not everyone else will do the same. We've all had the unpleasant experience of returning to a parked car after a night out or trip to the shops only to see that someone has left a nasty scrape on the side of your car with no apology note or contact details in sight.

Auto & General’s scratch & dent cover takes this into consideration and understands that avoiding scratches and dents is a little harder than avoiding a major pile-up. We allow you to make unlimited claims without having to pay an excess. And the best part is that it won't impact your short-term vehicle insurance policy, which means you can continue working towards your Cash-Back Plus pay-out!

Reason #2: It won't affect your short-term vehicle insurance

You take enormous care when it comes to your car — and you deserve to be rewarded for it. We can't think of anything more frustrating than diligently paying your car insurance every month while avoiding damaging your car — only to have to void your claim-free streak by placing a claim to repair a scratch caused by a low-hanging tree branch. Depending on how often you encounter scratches, dents and scrapes, it could cause you to make multiple claims in a single year. This could flag your policy with your primary insurers and possibly increase your monthly premiums.

You'll be happy to know that as one of the best scratch & dent policy providers in the country, Auto & General will treat any claim you make with your scratch & dent cover as independent from your primary insurance — no matter how many claims you make or why you make them.

Reason #3: You'll still qualify for a Cash-Back Plus pay-out

Many South African insurers offer clients a cash-back benefit to reward them for years of good driving and not making claims.  It's a great incentive to keep you from driving recklessly — but when you add scratches and dents to the mix, it can feel like you're being set up to fail.

Auto & General understands this, which is why we've created a scratch & dent policy South African drivers can use as much as required that won't compromise their primary coverage. It also means that you can retain your claim-free record for longer, which can help keep your premiums low or qualify you for value-added benefits or discounts.

Reason #4: You won't have to pay an excess

Many people choose a higher excess in exchange for lower monthly premiums. This can be a good strategy for someone who doesn't drive that much or only travels short distances. However, accidents can happen more easily than you think and they don't have to be fatal for them to be costly. Scratch & dent insurance from Auto & General is excess-free. This means that you can make a claim with the confidence that it will be paid in full, no matter how small or large it is. Of course, as with most insurance policies, you'll need to be up-to-date on your premiums and not wait too long after an incident to make a claim.

Reason #5: We’ll offer you free Licence Support

Some of our scratch & dent insurance products come with benefits such as Licence Support. This service will help you renew your vehicle licence by acquiring the correct forms for you, monitoring the renewal process and delivering your new licence disc to you when it’s ready. All you have to do is pay the required licence fee and we’ll take care of the rest!

Pick the level of coverage you need

Auto & General offers four levels of scratch & dent coverage. Here’s what each one costs and entails:

1. Scratch & Dent Cover — enjoy up to R3 000 per claim for just R105 per month, with coverage of chips, minor dents and light scratches on the outside of your vehicle.

2. Scratch & Dent Plus Cover — enjoy up to R5 000 per claim for just R139 a month, with coverage of chips, minor dents and light scratches on the outside of your vehicle.

3. Scratch & Dent Inside-Out Cover — enjoy up to R3 000 per claim for just R135 per month. This covers chips, minor dents and light scratches that damage the outside of your car plus scratches, scuff marks and tears on the inside of it. It also covers damage to the centre console, dashboard and door handles of your car.

4. Scratch & Dent Inside-Out Plus Cover — enjoy up to R5 000 per claim for just R180 per month. This covers chips, minor dents and light scratches on the outside of your car plus scratches, scuff marks and tears on the inside of it. It also covers damage to the centre console, dashboard and door handles of your car.

Get Scratch & Dent Insurance from Auto & General

For the cost of a couple of coffees, you could keep your car looking as good as the day you bought it — all while saving money that would have been spent on paying an excess or making a primary insurance claim.

It couldn't be easier to get Scratch & Dent Insurance from Auto & General. All you need to do is request a quote from us online or call us for an obligation-free conversation.