Scratch & Dent Insurance & Alloy Wheel Insurance
Premium manufacturers such as Mercedes, BMW and Volkswagen amongst others, will now offer you a number of cosmetic repair insurance policies designed to keep your car in the best condition for as long as possible. All this, whilst protecting your no claims on your motor insurance policy. At Shortfall.co.uk we offer both the Scratch & Dent Insurance and Alloy Wheel Insurance as independent policies designed to give you the choice of which is going to be the most cost effective option for you.
You do have the option of taking the two policies together as a combined bundle of cover should you wish to do so, but we must highlight that if you only wanted to purchase just the Alloy Wheel Insurance or just the Scratch & Dent Insurance, you also have that option too. Most manufacturers will offer the two forms of insurance as one combined policy and that is where we are different, the policies we offer are independent and you have the ability to purchase them separately or together.
We are always picking up small pieces of damage in busy car parks or pulling up alongside a kerb, with a Scratch & Dent and an Alloy Wheel Insurance policy you have the ability to protect yourself from the financial implications of having the damage repaired. Repairing a standard sized scratch on a door for example, would cost in the region of £150 - £200 and an Alloy Wheel repair may cost between £80 and £150 depending on the level of damage and the type of wheel.
Both policies are designed to offer a localised SMART repair, carried out by an approved repairer at your home address or place of work for example. Minor scratches, dents, stone chips, scrapes and scuffs are all covered, whilst protecting any no claims bonus you have built up on your own motor insurance policy.
If you are looking for complete cosmetic repair coverage on both bodywork and alloy wheel damage, a combined bundle of Alloy Wheel Insurance and Scratch & Dent Insurance would be suitable for you. We must highlight that the Scratch & Dent Insurance policy is a minor damage insurance policy designed to cover the cost of repairing minor scratches, scuffs, dents and scrapes for example. If there is any circumstance in which the repair cannot be completed remotely and instead has to be completed within a bodyshop, unfortunately, neither policy would cover those circumstances.