Scratch and Dent Insurance

Scratch and Dent Insurance

MSL’s policy ensures that scratches, dents and cosmetic damage are repaired by one of our nationwide network of approved repairers. Their mobile technology provides the convenience to carry out the repair to your customer’s cars either at home or their place of work.

What is covered?

The mobile repairer networks cover repairs within the following parameters:

  • Any Chip, Minor Dent, Scratched Area and/or Minor Scuff where the total damaged area is no larger than 30cm in diameter and 3mm in depth.
  • In the case of multiple damages, the total size of the combined damaged area must also be no larger than 30cm in diameter and 3mm in depth.
  • A collection of scratches on the vehicle where the total area is up to a maximum of 30cm in length and 3mm in depth.
  • A dented area on the vehicle up to a maximum of 30cm in diameter and 3mm in depth, where the panel has not been ripped, perforated, torn or damaged the structure or alignment of the panel.
  • A chipped area on the vehicle up to a maximum of 5mm in diameter and 1.5mm in depth.
    If the scratches and dents are bigger than this, then your customers may need to consider claiming on their motor policy.

Product features to consider

How many cars suffer from scratches, dents, and scrapes each year?

It is tens of thousands. Research by Which? found that more than a third of drivers have had their car damaged while it was parked. The 3 most common areas to suffer damage were found to be car parks, including supermarkets, train stations and airports, followed by residential street parking and non-residential street parking. Additional research conducted by Skoda revealed that UK drivers spend £1.5bn repairing car park damage alone every year.

Depending on the type of damage and the vehicle it can cost between £100 to £300 including VAT. Your customers may want to claim on their comprehensive motor insurance policy for cosmetic damage to their car but that means they will have to pay the excess and it may also affect the renewal premium for next year.

Scratches and dents to your customers’ car can affect its value should they be looking to sell it – especially if they are left unrepaired. If your customers are one of the many thousands of people who lease a vehicle or have some form of contract hire or PCP agreement, then they could find themselves penalised for any scratches dents or cosmetic damage to the car.

Damage that was present when the policy starts cannot be covered.

Why Choose MSL?

Our nationwide mobile network of specialists in scratch, dent cosmetic repairers gives flexibility to suit you, with repairs at your home or place of work. They will arrange for repairs as soon as possible. We can usually tailor our policy limits and coverage to suit your customers’ needs.

Arrange a Consultation

Fill in our form and one of our experts will be in
touch to discuss your claims requirements.

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Efficient and helpful

“Handled all aspects of my claim well using email as the main method for efficiency. Would recommend.”

February 27, 2020

Everything was handled in a professional way

“They dealt with my problem very quickly and I felt that they honestly were on my side.”

February 27, 2020

Fast, efficient and ‘human’ service

“Prompt call answering. I was guided easily through the process by the handler. Although there is, of course, a degree of scripted monologue, Sanara checked my understanding and ensured I had all the information before ending the call. I also received a confirmation email as promised. very supportive after an accident that had left me shaken. Thank you”

February 23, 2020

Danielle was extremely helpful, knowledgeable and patient with me during my claim. She answered all my questions thoroughly no matter how small (or indeed daft) they were. She followed as promised with emails and continued to answer my questions via email. She is a credit to your company.”

February 20, 2020

Great service as always

“Quick and simple. MSL took all the work on and stopped me from worrying”

February 19, 2020

Professional, friendly empathetic service. Thank you.

“Christine took my call and was fantastic. She explained the process, was clear, precise and empathetic. As someone who hasn’t made a claim before this was quite a daunting prospect, but Christine gave reassurance with her professionalism.”

February 14, 2020

Great people to help you through the process

“Really pleased the way they help you when dealing with your claim. The process was explained clearly throughout. Very happy customer!!”

February 13, 2020

Professional and friendly

“In a stressful situation MSL made things easy to handle and took care of everything! Got me on the road again within the hour.”

February 08, 2020

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