What is cosmetic car insurance?
Cosmetic car insurance, also known as scratch-and-dent insurance, is a specialist insurance policy that covers cosmetic damage to your car. While minor, this kind of damage can be very expensive to repair, especially if you own a more valuable car.
Cosmetic car insurance may be worthwhile if it’s important for you to keep your car in good condition.
Is cosmetic car insurance worth it?
Cosmetic insurance has advantages and disadvantages. Claims you make for minor bodywork damage under this kind of policy won’t affect your no-claims bonus on your main insurance policy.
So, if you want to protect your car’s paint and bodywork while also protecting your no claims bonus, scratch-and-dent insurance can help. It’s also fairly cheap – cosmetic car insurance can cost less than £10 a month.
This kind of insurance also has its disadvantages. Policies are often limited in the kind of damage they will cover – they may refuse to pay out for scratches and dents above a particular size. Some cosmetic car insurance policies also feature large excesses, which mean that you’ll have to pay some of the cost of repairs yourself. You may also be limited to a certain number of claims per year.
Where can I find cosmetic car insurance?
At MoneySuperMarket, we focus on standard car insurance policies, and don’t offer scratch-and-dent insurance. These specialist cosmetic car insurance policies are often included as optional extras from car dealerships, or can be found through specialist brokers.