You park your car at the mall, do a quick grocery run, and return to find a new mystery scratch down your door. No note, no witness, no idea who did it. Or maybe it wasn’t even a person you’d like to kick in the shin, but instead a rogue trolley that’s nicked your bumper.
Either way, it’s damage you didn’t cause… And damage that costs money to fix. If this feels familiar, you’re not alone. Little dings and paint scuffs are part of life on South African roads, and while they may not justify a full-blown insurance claim, they can still leave your car looking less than its best, and chip away at its resale value.
That’s where the king’s scratch and dent cover comes in. It’s an optional extra for car insurance clients, designed specifically to deal with those everyday bumps that aren’t worth claiming under your comprehensive policy.
And trust us… It’s more useful than you think.
What does scratch and dent cover actually cover?
This handy policy add-on covers minor cosmetic damage to your car’s bodywork, including:
- Small dents and dings.
- Light scratches.
- Scuffs to your car’s bumpers or paintwork.
- Chips caused by everyday use.
The damage must be within a certain size limit, typically smaller than 15cm in diameter, but as long as the area fits within the guidelines, you’re covered. The best part? Claims are quick, simple and don’t affect your main policy or premium.
Why it matters more during busy seasons
When traffic gets heavier and shopping centres fill up (seriously, think long weekends, school holidays and the summer silly season), the chances of picking up a scratch or dent skyrocket. Look, we’re not saying that these things only happen in busy parking lots… It could just be the result of a kid on a bicycle in your complex, or it could be you misjudging a turn on a narrow suburban street. But we can’t deny the fact that the risks go up when the roads get crowded.
What we can say with 100% conviction is that our scratch and dent cover gives you peace of mind that these small incidents won’t leave you fuming or forking out cash for a fix.
It’s not just about looks
Yes, this cover is great for keeping your car looking polished. But it also protects your car’s resale value. First impressions matter, and buyers are quick to knock thousands off your asking price over cosmetic flaws. Having these small issues repaired without dipping into your main policy helps you keep your car in top shape, at a fraction of the cost.
Real-life scenarios where this cover shines
- You scrape a low pole while reversing in a busy parking lot.
- A child opens their car door into yours, leaving a ding.
- A concrete planter scuffs your bumper at the school pick-up zone.
- You drive over loose gravel and end up with a series of small paint chips along the side.
None of these would make sense as full claims, but they’re all covered by this cost-effective extra.
It’s quick, convenient and affordable
A super big benefit? Well, the convenience of course. You see, once your claim is approved, King Price will arrange repairs with a trusted service provider, and you’ll typically pay an excess. That means no long quotes, no stress about finding a panel beater, and no paperwork hassle.
It’s all *clap* done *clap* for you *clap*.
Keep your car looking newer, for longer
If you take pride in your car, and want to keep it looking newer for longer, scratch and dent cover is a smart move. It’s also great for anyone who leases a car, or who plans to sell or trade in their car in the next few years.
You’ve got enough to deal with in life. Let us take care of the little things… So you don’t have to. Just click here or WhatsApp us on 0860 50 50 50 for a commitment-free quote.
5 FAQs
1. Does scratch and dent cover affect my no-claims bonus?
No. King Price doesn’t offer no-claims bonus.
2. Is there a size limit on the damage?
Yes. The damage must be cosmetic and typically smaller than 15cm in diameter, depending on your policy terms.
3. Can I claim for multiple scratches or dents at once?
You can claim for each individual incident. Multiple claims are allowed per year, within your policy limits.
4. What if the damage is bigger than the cover allows?
If the damage exceeds the cover’s size limitations or affects structural parts, it may need to be claimed under your comprehensive policy instead.
5. How long does it take to get repairs done?
Once approved, repairs are usually arranged quickly with trusted providers, depending on availability in your area.