What is Scratch and Dent Insurance?
No matter how carefully you drive and how well you care for your vehicle, mishaps happen. Like scratches from a hanging tree branch or a tear in your leather seats, from a road trip with the dog. Rely on Auto & General Scratch & Dent Cover and we’ll keep your vehicle in immaculate condition by repairing any chips, minor dents, light scratches and tears without claiming from your short-term vehicle insurance policy. We have 2 plans available to suit your needs.
Scratch & Dent Cover
You want to keep your vehicle in pristine condition on the outside. This plan provides cover for the repair of chips, minor dents and light scratches on the outside of your vehicle. We also understand that renewing your vehicle’s licence can be a hassle. For this reason, we have included our Licence Support benefit. It ensures that all aspects of your vehicle licence renewal are taken care of – 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 look after your vehicle and want it to look new on the outside but also on the inside. Scratch & Dent Inside-Out provides cover for the repair of chips, minor dents and light scratches on the outside of your vehicle as well as the repair of scratches, scuff marks and tears of parts on the inside of your vehicle.
Scratch & Dent Inside-Out Cover
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 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.
- Enjoy a quick, easy telephonic claims process.
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.
What does it cost?
Scratch & Dent Cover
For just R105 per month you can get Scratch & Dent Cover up to R3 000 per claim. You can also upgrade to Scratch & Dent Plus cover for R139 and increase your cover limit to R5 000 per claim.
Scratch & Dent Inside-Out Cover
For just R135 per month you can get Scratch & Dent Inside-Out Cover up to R3 000 per claim. You can also upgrade to Scratch & Dent Inside-Out Plus cover for R180 and increase your cover limit to R5 000 per claim.
If you are interested in taking up this cover, please contact us today.
What is excluded from my cover?
What are the limitations of Licence Support?
- You may only claim for the vehicle registered under the Scratch & Dent policy with the Licence Support benefit.
- Your premium must be paid in full at the time of the vehicle 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 vehicle/s
- Vehicles not specifically listed on your Scratch & Dent policy
- The actual cost of the renewal of the vehicle licence/s.
How do I make amendments?
- To make amendments to your policy, call our customer care centre on 0860 10 47 89 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 you need to contact our call centre on 0860 10 47 89 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 through 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 do not 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 and Dent terms and conditions, Click here
To download your Scratch and Dent Inside Out terms and conditions, Click here