Scratch & Dent Insurance

A way of keeping your vehicle’s exterior bodywork in excellent showroom condition

Maintaining your vehicle’s exterior bodywork

By repairing those unsightly small scratches, dents and scuffs as they arise. your vehicle’s exterior bodywork will remain in excellent showroom condition. These are often commonplace around door corners, front and rear quarters. All repairs are arranged at your convenience, designed to save you time, are guaranteed, and help you budget for your vehicle maintenance. The modern SMART (Small – Medium accident repair technology) repair process is quick, convenient and environmentally friendly. Your policy can cover you for up to 48 Months period of cover, providing you with the reassurance and peace of mind that those unsightly blemishes will be swiftly and expertly repaired. Remember, no matter how carefully you drive or how considerately you park – all vehicles are likely to suffer scratches, dents and chips.

Maximise dealership profit - 2 referral options

GAP Insurance + Add-On Products

In today’s automotive market, customers expect choice and convenience—especially when it comes to purchasing insurance protection. Assurity Solutions provides two options that enables dealerships to offer GAP insurance and add-on products either in the showroom or online direct to Assurity Solutions via our easy to use e-commerce platform. Both seamlessly integrate with existing dealership processes while ensuring full FCA compliance.

Showroom Customer Referral Benefits

Increased Revenue Opportunities

Enhanced Customer Experience

Regulatory Compliance Support

Seamless Sales Process Integration

Higher Product Penetration Rates

Direct Online Referral Benefits

24/7 Sales Channel

Expands Customer Reach

No Sales Pressure on Dealership Staff

Cost-Effective & Scalable

Fully Compliant & Customer-Friendly

What is covered

12, 24, 36 & 48 Month periods of cover
5 Claims per annum, up to 20 claims during 48 months
30cm Diameter, 3mm depth, multi-panel damage, maximum of 2 adjacent panels
Lifetime ownership guarantee on all repairs
Invisible manufacturer repair
Contribution of up to £150 inc VAT made towards alternative repair method if an in scope damage can’t be repaired using Cosmetic repair techniques
Claim from day one with a 30 day notification period
National Repair Network
Single Premium or Direct Debit over 10 months interest free
£0 Customer Excess
Customer centric claims process Pro Rata Cancellable & Refundable after 30 days cooling off period – £30 cancellation fee

What is NOT covered

Damage present prior to the commencement of the policy
Repairs to ripped, torn or perforated panels, cracked or deformed bumpers
Damage to wheels, locks, handles, glass, mouldings & accessories
Damage sustained in a Road Traffic Accident
Any Minor Body Damage to or by stripes, decals, stickers and vinyl wraps
Your vehicle if it is used in competitions, pace making or for off road use
Minor body damage to horizontal flat surfaces such as roofs, bonnets and boot tops
Minor body damage that which extends over more than a single external panel

Key Facts

You may cancel this insurance policy within 30 days and receive a full refund providing you have not and do not intend to make a claim
You may cancel this policy at any time after 30 days and receive a pro rata refund
Claims must be submitted within 30 days of the damage occurring
Easy to use claims process with digital submission of the damage for review by the claims assessor
Helps to protect your no claims bonus, and all repair work is guaranteed