If you have any questions about scratch and dent insurance, the answer should be in our FAQs below. It you have a different question or can’t find what you’re looking for, get in touch using the contact details at the bottom of this page and we’ll be happy to help.
Cover includes paint scuffs, scratches, or chips up to 300mm in diameter and no deeper than 3mm and dents to your car’s bodywork which are less than 40mm in diameter.
You a have a choice of taking cover out for either 12, 24 or 36 months. To compare scratch and dent policies, please click here.
No, pre-existing damage is not covered. An inspection report will be provided by Revive! free of charge and this will highlight any pre-existing damage that will be excluded from the claim process.
You can still purchase the policy without an inspection report, subject to Revive! carrying out an inspection report within 30 days of purchase, when the cover will then commence.
If you own or personally lease a car that is less than 7 years old and has less than 70,000 miles on the clock, then you are eligible to purchase this insurance.
For exclusions, please check the Policy Document.
The policy covers up to 3 repairs in each year of cover. A year is deemed as 12 months from the inception date or anniversary date of your policy; therefore, a 3-year policy will cover 9 repairs in total spread over 3 in each of the 3 years.
Making a claim is easy. To make a claim, within 30 days of the incident, you should complete the online form at www.mbginsurance.co.uk.
Completing the claim form will provide them with all the necessary information that is required in order to quickly process your claim. Please note that failure to provide all information at this point may mean that your claim cannot be processed.
Alternatively, you may contact the claims administrator during office hours: 9am – 5pm, Monday – Friday on 0191 259 6378 or email email@example.com.
Alternatively, please write to: Mechanical Breakdown & General Insurance Services Ltd, Cobalt Business Exchange, Cobalt Park Way, Newcastle, NE28 9NZ. TO make a claim please call 0191 259 9378.
Revive! will come to you and carry out the repair either at your home, place of work or another mutually suitable location.
There is a small excess of £25 to pay before your claim can be finalised.
If you decide that the policy does not meet your needs, you have 14 days to inform us. On the condition that no claims have been made or are pending during this period, your premium will be refunded in full.
If you cancel your policy after the 14 day cooling off period you will be entitled to a partial refund of your policy premium (less a £34.99 administration charge), provided that no claims have been made or are pending or there is less than 6 months remaining on the policy.
Either in one payment via bank debit or credit card, or, by one bank to bank payment via a new and highly secure payment method allowing you to pay for things online without having to enter your long card number and other details. If you decide to make a payment through the bank to bank option, you will be asked to pay using your online bank account. Unlike debit or credit cards, none of your payment details are visible to others giving you greatly enhanced payment security.
Alternatively, without additional cost to you, payments may be made in 4 equal monthly instalments, over the initial stage of the policy, via a company called Payment Assist which is also organised online at the time of purchase. If you would like to know more about Payment Assist, please follow this link to their website: https://www.payment-assist.co.uk
Nice 1 Limited is authorised by the Financial Conduct Authority (ref no 650309) and is the company that arranged this insurance which is underwritten by Novus Underwriting Limited on behalf of Helvetia Schweizerische Versicherungsgesellschaft in Liechtenstein AG.
Revive! Auto Innovations (UK) Limited is one of the largest SMART repair networks in the UK and covers the vast majority of the country; and it is authorised by the claims handler to undertake repairs to your car. It is also an Appointed Representative of Nice1 and the two companies may exchange details about you in order to administer your policy.
Helvetia Schweizerische Versicherungsgesellschaft in Liechtenstein AG is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if Helvetia Schweizerische Versicherungsgesellschaft in Liechtenstein AG cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim with no upper limit. You can get more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk.
Insurance Premium Tax (IPT) is a government-introduced tax on insurance policies including car, home, travel, and pet insurance which every insurance provider has to charge and pass on to the Inland Revenue.
Unfortunately, if you sell your car then the policy is no longer valid; however, you will be entitled to a partial refund of your policy premium (less a £34.99 administration charge) which can be used to help pay for cover for another car, provided that no claims have been made or are pending or there is less than 6 months left on the policy.
Scratch and dent insurance covers your vehicle bodywork for repairs which can be carried out using the Small to Medium Area Repair Technique (SMART). This is usually cosmetic repairs to damage such as single panel scratches, bumper scuffs and the removal of small dents where the paint has not been broken.
To find out exactly what is covered, please check the full Policy Document.
Every car is worth insuring for scratch and dent repairs. Repairing small damage means your car is kept in great condition, it can maximise its re-sale value and means lease cars can be maintained to avoid or lessen any additional charges when they are due to be returned.
Scratch and dent insurance isn’t a new thing. However, the policies are usually very restrictive as you have to either purchase it directly from a car dealership or within 30-days of purchasing a car.
These scratch and dent policies can be purchased by anyone who owns or leases a car that is under 7 years old and has less than 70,000 miles on the clock. All that’s needed is to inspect the car to check for existing damage and you’re good to go.
If you have bought your car from a dealership in the past 30 days, you do not need to have an inspection report carried out.
Likewise, if you have had an inspection completed straight after a Revive! SMART repair then you have 30 days to purchase a policy.
Other than that, your car will need to be inspected once you have purchased your chosen policy.
Having a scratch and dent policy means you can save money over the course of owning your car by avoiding the loss of your no claims bonus and the need to pay for unexpected repairs. Hopefully, our FAQs will give you a clear idea of whether or not scratch and dent insurance is right for you.BUY NOW