There are instances where you park your car and do that quick grocery run, only to dash back and find a new mystery scratch on your door. There’s no note, no witness, no idea who did it.
And while these things happen, we have to admit that there are also scratches and scuffs that are our own fault. Like when we misjudge a parking space, don’t see the pole behind us, or open the door on a rogue trolley that’s definitely not in its bay.
In any of these scenarios, the damage is done and its 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 royal scratch and dent cover comes in. This optional extra has been designed specifically to deal with those everyday bumps that aren’t worth claiming from your comprehensive policy.
Maybe it seems like an extra you don’t really need, but 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. This type of drama includes small dents and dings, light scratches, scuffs to your car’s bumpers or paintwork, and chips caused by everyday use.
We don’t eyeball the damage and frame the scratches with our imaginary hand rulers. We use guidelines. For instance, the damage must be within a certain size limit, specifically, the damages need to be smaller than 15cm in diameter. So, 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, the chances of picking up a scratch or dent skyrocket. Whether it’s a kid on a bicycle in the complex, a distracted driver in a tight parking lot or a misjudged turn on a narrow suburban street, the risks go up when the roads get crowded.
We’re thinking about those long weekends, school holidays and the summer silly season. You’ll be glad for the peace of mind, knowing that you’ve got scratch and dent cover for the increased likelihood of things going bump.
It’s not just about looks
Okay, so yes, this cover is great for keeping your car looking polished. But we’re not all about looks in our kingdom. This policy also protects your car’s resale value. Think about it… When you’re buying a car, you can’t help but notice the exterior condition. It’s the classic case of ‘judging a book by its cover,’ and in this context, it’s a useful way of checking out a second-hand car.
Buyers are quick to knock thousands off your asking price over cosmetic flaws. That’s why it pays to have these small issues repaired, and with this add-on policy, you can do it without dipping into your main policy.
Real-life scenarios where this cover shines
If you’re still looking for reasons to get the king’s scratch and dent insurance, you’re in luck.
We’ve got a few of those in our back pocket.
Just a few reasons to check it out:
- 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, right? But with scratch and dent from the king, they’re all covered by this cost-effective extra.
It’s quick, convenient and affordable
1 of the biggest benefits? Convenience. Once your claim is approved, King Price will arrange repairs with a trusted service provider, and you’ll pay nothing except a small excess.
That means no long quotes, no stress about finding a panel beater, and no paperwork hassle.
Keep your car looking newer, for longer
If you take pride in your car, and want to keep it looking newer for longer, then our scratch and dent cover is the smart move. After all, you’ve got enough to deal with in life. Let us take care of the little things… So, you don’t have to.
5 FAQs
1. Does scratch and dent cover affect my claim status?
No. Because it’s a separate add-on, claiming won’t affect your main car insurance policy or premium.
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.