Scratch and Dent Scratch and dent handles small panel/paint damage cheaply.

What is scratch and dent?

Cover for minor cosmetic damage. As a King Price client you will see scratch and dent referenced on your policy schedule, in your claim documents, or in conversations with client care on 0860 50 50 50.

How scratch and dent works

scratch and dent is governed by the terms set out in the King Price Policy Document and the individual schedule issued for your policy. Your schedule always overrides the master wording where they differ, so the values, limits and conditions that apply to you appear there in plain English.

King Price reviews the application of scratch and dent at every renewal, and any change to your risk profile, address, vehicle, security or claims history is taken into account. The Treating clients Fairly framework requires this detail to be communicated clearly before any change takes effect.

Example

Tshepo runs his plumbing business from a kitted-out Hilux. Trolley dings the door → S&D pays. In this scenario, scratch and dent determines the practical outcome for the client. The exact numbers depend on the cover option, the excess on the schedule and the limits set out in the policy document.

Why scratch and dent matters

Understanding scratch and dent helps King Price clients make better decisions about cover. It affects the monthly premium, the payout at claim stage, and the steps required before and after an incident. Getting it right means no surprises at claim time.

King Price aims to make insurance great again with plain-English wording, transparent premiums and a direct relationship with clients. Clear terminology like scratch and dent is part of that promise.