Dent and scratch insurance covers minor cosmetic vehicle damage including: small dents from parking lot incidents, paint scratches from road debris or vandalism, shopping trolley marks, scuffs from minor contact, and minor bumper damage. It specifically covers low-cost cosmetic repairs that would normally fall below your car insurance excess threshold.

Most minor dents and scratches cost less to repair (R500–R3,000) than the typical comprehensive insurance excess (R2,000–R8,000+). Claiming on comprehensive insurance for minor damage also risks increasing your premium at renewal. Dent and scratch insurance has a lower or zero excess, preserving your main policy no-claim bonus.

Yes. Most dent and scratch policies use paintless dent repair (PDR) as the preferred repair method for eligible dents. PDR is faster, cheaper, and preserves original paint. For damage that cannot be repaired by PDR, traditional panel beating and repainting is typically covered up to the policy limit.