Does Scratch and Dent Insurance cover pre-existing damage?

Scratch and Dent Insurance does not cover pre-existing damage on your car. Insurance companies are under no obligation to pay for damages to your car that were incurred before you purchased a policy from them. Scratch and Dent Insurance from Bidvest Insurance helps keep your car in showroom condition by providing cover against those unavoidable scratches and dents that might ruin your car’s paintwork.

Scratch and Dent Insurance policies do not cover pre-existing damage. Insurance companies are under no obligation to pay for damages to your car that were already visible on your vehicle when you signed up.

What is pre-existing damage?

A car’s pre-existing damage refers to any damage that was already present before the insurance coverage was purchased. This includes any scratches, dents, chips or any other damage.

If insurers were mandated to pay for damage that was already present before the implementation of a policy, their level of liability would increase significantly. This phenomenal increase in liability would almost certainly result in an increase of the regular policy premium.

Does Scratch and Dent Insurance from Bidvest Insurance cover pre-existing damage?

No. Unfortunately, Scratch and Dent Insurance does not cover pre-existing damage.

What will Scratch and Dent Insurance cover?

While Scratch and Dent Insurance doesn’t cover pre-existing damage to your car, it will cover you for:

Minor Dents, scratches and chips: Your car is your pride and joy. You want it to look as good as it did when it left the showroom floor. We pay up to R2,500 to get those scratches, dents or chips repaired.

Tar Removal: You sometimes drive your car on newly tarred roads. Unfortunately, tar can build up on your car. We pay up to R2,500 cover per claim for specified tar removal.

Wheel Rim damage: You misjudge a corner and scratch your rim on a curb. You want to keep your rims looking as good as new. We pay up to R2,500 to get your rims repaired.

Hail Damage: When dark clouds gather and hail falls, we cover you for specified repairs up to R2,500.

Windscreen chips: South African roads are littered with debris. A small stone or pebble could chip your windscreen. We pay up to R2,500 per claim of this type.

Don’t wait for your car to get scratches and dents. Get Scratch and Dent Insurance from Bidvest Insurance now.

Cover for you and for your car.

Bidvest Insurance offers a wide range of insurance products to meet both your personal and vehicular needs.

Insurance options for you:

  • Cyber Rescue
  • Panic Alert
  • Legal Angel
  • Personal Accident Insurance

Insurance options for your car:

  • Scratch and Dent
  • Tyre Angel
  • Theftbuster Plus
  • Warranty
  • Driver Assist
  • Key Angel

Simply complete your details so a Bidvest Insurance consultant can call you back to assist you.

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