Scratch & Dent Insurance
Runaway trollies & surprise bollards could leave your car with a bump or a scratch. Make sure you're covered.
Covered in minutes
Buy online in minutes, No more paperwork.Up to 3 claims a year
Peace of mind for those "oops" moments.From £15/month
Affordable premiums.Scratch & Dent Insurance
Runaway trollies & surprise bollards could leave your car with a bump or a scratch. Make sure you're covered.
Covered in minutes
Buy online in minutes, No more paperwork.Up to 3 claims a year
Peace of mind for those "Oops" moments.From £15/month
Affordable premiums.
Product Details
This Policy is provided by Stubben Edge (Risk) Limited (company number 09073942) who is authorised and regulated by the Financial Conduct Authority (‘FCA’) reference number 943286. The Policy is underwritten by Novus Underwriting Limited on behalf of Helvetia Schweizerische Versicherungsgesellschaft in Liechtenstein AG.
This cover can help with costs should your vehicle require repair because of chips, scuffs, scratches and dents that can be complete using the Small to Medium Area Technique (SMART).
What you need to know
We won’t hide this in the T&Cs – we want to make sure you know exactly what you’re covered for, and any important exclusions that apply to your policy.

Insurer:
Helvetia
Residency Requirements:
England, Scotland, or Wales
Policy Term:
12 months or; 24 months or; 36 months
Vehicle Age:
Under 7 years old from date of manufacture
Policy Target Market Suitability:
You must be the registered owner and keeper of the vehicle.
Vehicles less than 7 years old at the start date of this policy.
Vehicles that have completed less than 70,000 miles at the start date of this policy.
Policy Likely Unsuitable for:
Vehicles with a non-standard or custom paint finish including but not limited to self-healing paint, chrome illusion paint, two tone paint, vinyl wrap or matte finishes.
Tyres/Alloy Wheels damaged prior to policy start date.

Insurer:
Helvetia
Residency Requirements:
England, Scotland, or Wales
Policy Term:
12 months or; 24 months or; 36 months
Vehicle Age:
Under 7 years old from date of manufacture
Policy Target Market Suitability:
You must be the registered owner and keeper of the vehicle.
Vehicles less than 7 years old at the start date of this policy.
Vehicles that have completed less than 70,000 miles at the start date of this policy.
Policy Likely Unsuitable for:
Vehicles with a non-standard or custom paint finish including but not limited to self-healing paint, chrome illusion paint, two tone paint, vinyl wrap or matte finishes.
Tyres/Alloy Wheels damaged prior to policy start date.
Policy Benefits:
Paint chips which are less than 300mm in length and/or diameter and no deeper than 3mm.
Dents to your car’s body work that are less than 300mm in length and/or diameter and no deeper than 3mm
Scratches to your car’s body work that are less 300mm in length and/or diameter and no deeper than 3mm
Paint scuffs or scratches that are less than 300mm in length and/or diameter and no deeper than 3mm.
Policy Exclusions:
Any damage occurring or any claim made within the initial exclusion period.
More than three claims in any 12 months of cover, recommencing at each anniversary of the start date, subject to the duration of cover purchased.
The Policy Excess
A vehicle with a non-standard or custom paint finish including but not limited to self-healing paint, chrome illusion paint, two tone paint, vinyl wrap or matte finishes.
Any damage that in the opinion of the approved repairer cannot be repaired using Smart Repair or will require the work to be completed by a Bodyshop
Damage to headlights, lights, glass and wheels.
Damage that has occurred as a result of a Road Traffic Accident.
Damage that is situated on your vehicle’s roof.
Damage where the paint is cracked, flaked or where any paint has been removed to reveal the underlying metalwork.
Policy Benefits:
Paint chips which are less than 300mm in length and/or diameter and no deeper than 3mm.
Dents to your car’s body work that are less than 300mm in length and/or diameter and no deeper than 3mm
Scratches to your car’s body work that are less 300mm in length and/or diameter and no deeper than 3mm
Paint scuffs or scratches that are less than 300mm in length and/or diameter and no deeper than 3mm.
Policy Exclusions:
Any damage occurring or any claim made within the initial exclusion period.
More than three claims in any 12 months of cover, recommencing at each anniversary of the start date, subject to the duration of cover purchased.
The Policy Excess
A vehicle with a non-standard or custom paint finish including but not limited to self-healing paint, chrome illusion paint, two tone paint, vinyl wrap or matte finishes.
Any damage that in the opinion of the approved repairer cannot be repaired using Smart Repair or will require the work to be completed by a Bodyshop
Damage to headlights, lights, glass and wheels.
Damage that has occurred as a result of a Road Traffic Accident.
Damage that is situated on your vehicle’s roof.
Damage where the paint is cracked, flaked or where any paint has been removed to reveal the underlying metalwork.
Contact me
Our friendly call centre agents will be happy to assist you. Please complete the form below and someone will contact you shortly.
Frequently asked questions
- Any damage occurring or any claim made within the initial exclusion period.
- More than three claims in any 12 months of cover, recommencing at each anniversary of the start date, subject to the duration of cover purchased.
- The Policy Excess
- A vehicle with a non-standard or custom paint finish including but not limited to self-healing paint, chrome illusion paint, two tone paint, vinyl wrap or matte finishes.
- Any damage that in the opinion of the approved repairer cannot be repaired using Smart Repair or will require the work to be completed by a Bodyshop
- Damage to headlights, lights, glass and wheels.
- Damage that has occurred as a result of a Road Traffic Accident.
- Damage that is situated on your vehicle’s roof.
- Damage where the paint is cracked, flaked or where any paint has been removed to reveal the underlying metalwork.
- You must be a permanent resident of either England, Scotland, or Wales
- You must be the registered owner and keeper of the vehicle or the person financing it on behalf of the owner of registered keeper.
The United Kingdom, the Channel Islands and the Isle of Man.
You must take reasonable care to provide complete and accurate answers to questions we ask when you take out cover, make changes to and renew a policy.
You must inform us of any:
- Existing damage to your vehicle.
- Provide us with photographs of your vehicle within 14 days of the policy inception date; and
- Change in ownership of your vehicle.
- Should you wish to make a claim, you must report it to us and provide us with Electronic Images of the damage within a period of 14 days from the date that the Minor Body Damage occurred. Failure to do so will result in your claim being rejected.
- Within your 14-day waiting period you need to provide us with Electronic Images if your vehicle is older than 30 days. Failure to do so will result in termination of your policy.
- You can either pay for your policy in full up front or by instalments for a 12-month product.
- If you pay in instalments this is shown in the schedule to the policy. The first instalment payment is due on the first day of the Period of Insurance and each of the subsequent eleven instalment payments due on the same day each month.
- From the start date (shown on your policy schedule) for 12 months. 24 or 36 months depending on the length of term chosen.
- We will notify you at least 30 days before your policy is due for renewal.
- You may cancel this policy within 14 days after the start of your policy (as shown in the schedule). If you contact us in this time, no charge will be made, and we will refund any premium (provided you have not made any claims and do not know of any grounds for a claim).
- If you wish to cancel after this period, you are entitled to a refund less in respect of the portion of the Period of Insurance which is unexpired at the time of your cancellation. We will not charge an administration fee.
- If you purchased your policy through an insurance broker, please contact the broker in the first instance. If you did not purchase your policy through an insurance broker, or you are unable to contact your insurance broker, please use the details below: