Do I need Scratch and Dent Insurance?
If you own a car in South Africa, you need Scratch and Dent Insurance from Bidvest Insurance. Scratches and dents make your car look unsightly and put a dent in your budget. There’s nothing worse than returning to your car after a shopping trip to find an unexpected scratch or dent. This is where Scratch and Dent Insurance comes in, designed to keep those minor damages at bay and your car looking as good as new, in an affordable way.
Why we care about small dents
The appearance of our cars often reflects our personal image and status. Even minor damage can affect how we feel about our vehicles and ourselves. Psychologically, we tend to care deeply about our cars’ appearance, even when the damage is minor. A scratch or dent, no matter how small, can be a constant reminder of an unfortunate incident and may even affect your confidence when driving or parking in public spaces.
Does regular Car Insurance cover scratches and dents?
Many car owners are surprised to learn that standard Car Insurance policies often don’t cover small cosmetic damages. Traditional policies typically focus on more severe accidents or theft, leaving you to foot the bill for those annoying scratches and dents.
This gap in coverage is where Scratch and Dent Insurance becomes invaluable for your car and your budget.
The hidden dangers of scratches and dents
While a scratch or dent may seem insignificant, it can lead to more serious issues if left unattended. Minor damage can often escalate into major problems:
- Rust formation: A small scratch or dent can leave your car’s bodywork exposed to the elements, potentially leading to rust. Once rust sets in, it can spread rapidly, causing far more extensive damage than the original minor blemish.
- Decreased structural integrity: Even small dents can compromise the structural integrity of your vehicle, potentially affecting the safety of your car, if you happen to be in an accident.
- Reduced resale value: Accumulated scratches and dents can significantly lower your car’s resale value, making it harder to sell or trade-in when you’re ready for an upgrade.
Benefits of keeping your car looking new
Maintaining your car’s appearance offers several advantages:
Protect your resale value
A well-maintained exterior significantly increases the resale value of your car. Potential buyers are more likely to pay a premium price for a vehicle that looks well-cared for and free from visible damage.
Pride in your vehicle
There’s a personal satisfaction and confidence that comes with driving a car that looks well-kept. It reflects positively on you as an owner and can elevate your mood every time you get behind the wheel.
Cost of Scratch and Dent Insurance
Affordable protection
Bidvest Insurance’s Scratch and Dent Insurance starts from just R129 per month, making it an affordable addition to your car care routine. This small investment can save you from much larger repair bills down the line.
Cost-effectiveness
When you consider the potential costs of repairing scratches and dents out of pocket, Scratch and Dent Insurance proves to be a cost-effective solution.
What does Scratch and Dent Insurance cover?
Bidvest Insurance’s Scratch and Dent Insurance is designed to keep your vehicle looking as good as it did when it left the showroom floor. Here’s what you’re covered for:
- Minor Dents, scratches and chips: Up to R2,500 per claim for repairs.
- Tar Removal: Up to R2,500 cover per claim for specified tar removal.
- Wheel Rim damage: Up to R2,500 for rim repairs.
- Hail Damage: When nature strikes, you’re covered for specified repairs up to R2,500.
- Windscreen chips: Up to R2,500 per claim for this type of damage.
Scratch and Dent Insurance FAQs
How soon after buying a policy can I claim?
Typically, there’s a short waiting period after purchasing the policy before you can make a claim. Check with Bidvest Insurance for specific details.
Is pre-existing damage covered?
No, pre-existing damage is not covered. Scratch and Dent Insurance is designed for new damage that occurs after the policy start date.
Is Scratch and Dent Insurance only for new cars?
No, you can get Scratch and Dent Insurance for both new and used cars, as long as they meet the insurer’s criteria.
What if the damage exceeds the R2,500 limit?
This policy is designed to cover minor damages. If the repair cost exceeds R2,500, you will need to pay the difference, up to a maximum of R1,000. Damages that exceed this limit are considered to be major damages and are not covered under this policy and should be claimed against your Comprehensive Car Insurance policy.
Can I claim for damage I caused myself?
Yes, accidental damage caused by you is typically covered under Scratch and Dent Insurance.
Keep your car in tip-top shape
While you may never know how that minor scratch or dent appeared on your car, with Scratch and Dent Insurance, you can have peace of mind knowing you’re covered. Don’t let small damages turn into big problems. Protect your investment and keep your car looking its best with Scratch and Dent Insurance from Bidvest Insurance.
