What is Covered?

Within the Period of Insurance, the Insurer will pay for the cost of repair(s) resulting from minor body damage. Each incident of minor body damage will be treated as a separate claim.

Minor body damage includes:

Paint chips that are less than 300mm in length and/or diameter, 3mm in depth, and limited to a single body panel.
Dents not exceeding 300mm in length and/or diameter, 3mm in depth, and limited to a single body panel.
Scratches that are less than 300mm in length and/or diameter, 3mm in depth, and limited to a single body panel.
Paint Scuffs that are less than 300mm in length and/or diameter, 3mm in depth, and limited to a single body panel replacing.

For the avoidance of doubt, any damage spanning more than one body panel and exceeding a total length of 300mm across multiple panels will not be considered minor body damage.

Any claim is subject to the limit of indemnity (as per your Policy Schedule) and in circumstances where one incident causes damage to two panels the incident will be treated as two claims under the claims limit (as per your Policy Schedule).

Therefore, if the remaining allowable number of claims under the Policy is limited to one, the Insurer will only pay for the repair of one panel, even if two panels are damaged in a single incident.

Before the cover start date, you must provide us with the following:

Eight (8) wide-angle photographs of your vehicle which must be taken from the front / front left / left side / back left / back / back right / right side / front right of the vehicle.
The photographs must be original photographs and be date stamped.

You will need to submit further photographs as requested at the time of submitting a claim.

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