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Scratch and Dent Insurance

1.   Demands and Needs Summary

Protect your car from small scratches, scuffs and dents.

Marks on your car can not only be unsightly, but they can reduce your vehicle’s value and leave you out of pocket getting them repaired.  Scratch and dent insurance is a minor damage repair service that helps keep your car in pristine condition, free from the inevitable chips, dents, scratches and scuffs caused by everyday driving.

If your vehicle had damage caused to the bodywork as a result of dent, stone chip, scratch or scuff, would this scratch and dent insurance that can cosmetically repair these damages be of interest to you?

2.   Eligibility

Your vehicle is ten years or under and has covered less than 100,000 miles at the Start Date

of the policy

Your vehicle has a standard paint colour or finish which is not considered specialist, non- standard or an exclusive paint colour or finish, for example: self-healing paint, body wrap, chrome illusion paint, two tone paint finish or matt finishes;

You have purchased this policy no later than 30 days of taking delivery of your vehicle;

You reside in the United Kingdom or You are a partnership, company or other legal entity registered in the United Kingdom;

You have paid the premium including applicable taxes;

Your vehicle is not an excluded vehicle (see below) and does not exceed 3,500kg in weight.

Please note scratch and dent insurance excludes the following vehicles in all circumstances:

Commercial or light commercial vehicles, delivery vehicles, panel vans, motorcycles, scooters, three wheeled vehicles, kit-cars, quad bikes, caravans or motor homes, trailers, boats, left-hand drive vehicles, grey imports, vehicles used for hire or reward (for example taxis, self-drive hire or driving schools, delivery courier), vehicles capable of carrying more than 8 passengers or a vehicle used in any sort of rally, speed testing, 4x4 off-roading, racing or any kind of competition or trial. Your vehicle must not be insured on any type of motor trade insurance policy or for class 3 business use.

3.   Benefits Of Cover

Cover includes repairs to cosmetic scratches and dents (end to end up to 30cm diameter and 3mm in depth) and chips (up to 1.5cm diameter and 3mm in depth).

Repairs available through our approved Repairer at your preferred location, including at home or work.

No excess to pay when claiming.

Claim up to 18 times over the total policy period.

Cover starts from day 1 with no waiting period.

If a cosmetic repair is not possible using cosmetic repair techniques, we will reimburse up to £250 inc. VAT towards the cost of having a Bodyshop repair.

4.   What is insured?

  • We will provide a cosmetic repair or where appropriate a touch-in repair to minor cosmetic damage to your vehicle.

  • Minor cosmetic damage means:

  • A chip which is a chipped area on the paintwork on your vehicle, caused in a single incident no more than 1.5cm in diameter and 3mm in depth in total;

  • A damaged area caused in a single incident which contains a light scratch, minor dent or scuffed bumper no more than 30cm in length and 3mm in depth in total.

In the case of multiple damages being caused by the same incident, the total damaged area when measured from the furthest most points of the combined damaged area are no more than 30cm in diameter and 3mm in depth in total and, in the case of a chip, are no more than 1.5cm in diameter and 3mm in depth in total. Any repairs which are estimated to exceed 4 hours to complete will not be considered to be minor cosmetic damage.

  • If a scratch and dent repair technique cannot be used to repair minor cosmetic damage on your vehicle under this policy, the policy will contribute up to a maximum of £250 including VAT towards the cost of having a bodyshop repair.

You can make up to 18 claims in the policy period.

All claims must be authorised before any repairs take place. 

5.   What is not insured?

  • Chips larger than 1.5cm in length and 3mm in depth; scratches larger than 30cm in length and 3mm in depth; dents larger than 30cm in length and 3mm in depth; bumper scuffs larger than 30cm in length and 3mm in depth, or any costs that we do not authorise in advance;

  • Paint colours and finishes that cannot be suitably matched by the Repairer. These include but are not limited to specialist, non-standard and exclusive paint colours and finishes, for example: self-healing paint, body wrap, chrome illusion paint, two tone paint finish or matt finishes;

  • Horizontal flat surfaces, roofs, bonnets and boot tops where the Repairer deems it not possible to achieve a satisfactory finish using touch-in repair techniques;

  • Pre-existing damage or imperfections listed on the vehicle imperfections page on the cinch website

  • If the body panel, front or rear bumper has been distorted, ripped, torn or perforated;

  • Damage caused by rust, hail, weather, pitting, paintwork discoloration, bird droppings or tree sap;

  • Damage that requires replacement of any body panel or part of a panel;

6.   Key Information

How to Claim

As soon as you become aware of an incident resulting in damage you must contact the Administrator. You must report your claim within 30 days of the incident.

This can be done by telephone on 0333 220 6622 (Monday –Friday, 9:00am to 5:00pm) or via email on cinchcover.claims@assurant.com.

We will ask for pictures of the cosmetic damage to be submitted alongside your claim form. You are required to include evidence of the diameter of the damage by using a ruler when taking the photographs.

If your claim is covered by the policy, the administrator will provisionally authorise your claim and instruct the repairer to contact you to arrange for the minor cosmetic damage to be repaired. Where we authorise a maximum contribution of £250 including VAT towards a Bodyshop Repair, you must pay for the repair in the first instance and send the Administrator a copy of the relevant receipt.

Enquiries or Complaints

We always aim to provide a first-class standard of service.

If you have a complaint relating to the selling of this policy please contact the Distributor by telephone: 0333 0154 101 or email: hello@cinch.co.uk. Alternatively, please write to: Cinch Cars Limited, Form 2, 18 Bartley Wood Business Park, Bartley Way, Hook, RG27 9XA.

If you have a complaint relating to the terms and conditions, administration or claims handling under this insurance you should in the first instance contact the Administrator, quoting your policy number, by telephone: 0330 100 3246 or email: customer.relations@assurant.com. Alternatively, please write to: Customer Relations Department TWG Services Limited, The Aspen Building, Floor 2, Vantage Point Business Village, Mitcheldean, Gloucestershire, GL17 0AF.

If your complaint is not resolved to your satisfaction, you may, within 6 months of a final decision, contact the Financial Ombudsman Service free of charge, stating clearly the nature of the complaint and the party to which that complaint was originally addressed, at: Telephone number: 0800 023 4567 or 0300 123 9 123; email: complaint.info@financial-ombudsman.org.uk; Web: www.financial-ombudsman.org.uk; Address: The Financial Ombudsman Service, Exchange Tower, Harbour Exchange, London, E14 9SR. 

Cancellation

You have the right to cancel at any time.

If you cancel within 30 days from the start date on the policy schedule or receipt of the terms and conditions (whichever is later) and have not made a claim on your policy, you will be entitled to a full refund of any premium you have paid.

If you cancel after 30 days from the start date on the policy schedule or receipt of the terms and conditions (whichever is later) and have not made a claim on your policy, you will be entitled to a pro rata refund, based on the number of full unexpired months remaining on your policy.

Please note you will not receive a refund where you have already made a successful claim on the policy.

About the Insurer

This policy is provided by London General Insurance Company Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, Financial Services Register No. 202689.

London General Insurance Company Limited: Registered in England & Wales No. 1865673. Registered Office: Twenty Kingston Road, Kingston Road, Staines-upon-Thames, Surrey TW18 4LG, United Kingdom

About the Administrator

This policy is administered on behalf of London General Insurance Company Limited by TWG Services Limited, which is authorised and regulated by the Financial Conduct Authority, Financial Services Register No. 312440.

TWG Services Limited. Registered in England No: 01883565. Registered Office: Twenty Kingston Road, Kingston Road, Staines-upon-Thames, Surrey TW18 4LG.

Financial Services Compensation Scheme

London General Insurance Company Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if they cannot meet their obligations. General insurance contracts are covered for 90% of the entire claim, without any upper limit.

You can get more information about the compensation scheme arrangements by contacting the FSCS on 0207 741 4100 or 0800 678 1100 or by visiting their website at www.fscs.org.uk.

IPID

Insurance Product Information Document (IPID) To help you decide if this Insurance provides cover that is right for you, the Insurance Product Information Document summarises the key features, benefits, exclusions and limitations of the cover as well as other important information. This summary is not personalised to you and doesn't contain everything. Please read the Insurance Product Information Document (IPID) If you would like to see the full details before you decide to take out this Insurance cover, please see scratch and dent terms and conditions