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Learn more about a Scratch & Dent Plan
A Scratch and Dent Plan is a protection product that covers the repair of minor cosmetic damage to your vehicle, such as small scratches, dents, chips, and scuffs. It helps keep your car looking good without paying large out-of-pocket repair costs.
Minor cosmetic damage: small scratches and dents, stone chips, bumper scuffs and minor interior repairs.
Accident damage, major panel beating, structural repairs, rust and mechanical breakdowns.
Yes, especially if you park in public areas or drive daily. Even small cosmetic repairs can cost thousands of rand. A plan spreads that cost into affordable monthly payments.
Repair costs vary, but minor scratch or dent repairs can range from a few thousand rand per panel, depending on severity and paintwork.
Some Scratch and Dent Plans allow limited claims for pre-existing cosmetic damage, depending on inspection requirements and plan terms.
No. Car insurance covers accidents, theft and major damage; a Scratch & Dent Plan covers minor cosmetic repairs only.
Insurance may cover cosmetic damage if it results from an accident, but you may need to pay an excess. A Scratch and Dent Plan is designed for smaller, everyday damage without affecting your insurance premiums.
Repairs can be completed at any approved repair centre within South Africa.
Claims are subject to quarterly limits on the plans offered through MotorHappy, and there’s no excess to pay.
Yes, there is a 30-day waiting period after the first successful debit order before claims can be submitted.
Yes. Maintaining your car’s cosmetic appearance can increase resale value and buyer confidence.
No. Hail damage is covered under Comprehensive Car Insurance, not cosmetic repair plans.
Yes, minor bumper scuffs are commonly covered, subject to size and depth, limitations apply.
Most definitely, these plans are perfect for used vehicles, to keep it looking in showroom condition.
Minor damage usually includes:
- Surface scratches (upto 15cm)
- Small dents without paint cracking
- Chips within size limits
No there is no excess payment required when claiming on the Scratch and Dent Plan.
Yes, you can cancel the plan at any time by giving us at least twenty (20) Business Days’ notice.
Yes, restoration of the vehicles wheel rims or mags wheels is covered if they sustain scratches, stone chips, or paint defects.
A Scratch and Dent Plan is ideal for:
- Daily commuters
- Drivers who park in malls or public areas
- People who want to protect resale value
- New car owners wanting cosmetic protection
Yes, a Scratch and Dent Plan can be worth it if you want affordable protection against minor cosmetic damage such as scratches, dents, and bumper scuffs. These repairs can be expensive when paid out-of-pocket, so a monthly plan helps spread the cost.
Drivers often buy Scratch and Dent Plans to:
- Avoid paying large repair costs for minor damage
- Maintain the vehicle’s appearance
- Protect resale value
- Avoid claiming from insurance for small repairs
A Scratch and Dent Plan is most useful if you:
- Park in shopping centres or public areas
- Drive daily in busy cities
- Want to keep your car looking new
- Plan to sell your car in the future
It can save money over time because minor cosmetic repairs can cost thousands of rands per panel. A plan allows you to repair damage without paying the full repair cost each time.
A Scratch and Dent Plan covers minor cosmetic damage like scratches, small dents, and bumper scuffs.
Car Insurance covers larger events such as accidents, theft, hail damage, and major repairs.
Most drivers avoid claiming minor scratches from Insurance because:
- You must pay an excess
- Your premium may increase
- It affects your claims history
A Scratch and Dent Plan can help handle smaller cosmetic repairs instead.
Yes, many drivers have both. Insurance protects against major incidents, while a Scratch and Dent Plan helps with everyday cosmetic damage.
The cost of repairing a car scratch depends on the size and depth of the damage. Minor scratches can cost thousands of rands to repair.
Scratch repairs can be expensive because they often involve:
- Sanding the damaged area
- Repainting the panel
- Blending paint to match the original colour
- Labour costs
Yes, some minor scratches can be repaired using polishing or touch-up techniques. However, deeper scratches usually require professional paint repair.
DIY repair kits can work for very small surface scratches, but deeper damage usually requires professional repair to match the original paint.
It is a Scratch and Dent Plan that helps cover the repair costs for minor vehicle damage such as scratches, dents, chips, and scuffs.
Many Scratch and Dent Plans are designed to be affordable and are paid monthly, making it easier for drivers to manage repair costs.
Scratch and Dent Plans cover:
- Minor dents
- Scratches
- Stone chips
- Bumper scuffs
Coverage depends on the specific plan.
Used car owners often buy cosmetic protection to:
- Improve the vehicle’s appearance
- Protect resale value
- Repair existing minor damage
- Avoid expensive panel repairs