A Simple Way to Save on Car Insurance
Let’s be honest. When something happens to your car, your first thought might be, “Let me claim from insurance.” And that’s totally fair. After all, you pay for cover, so why not use it?
But here’s the thing: not every claim is worth submitting, especially when it comes to minor bumps, scratches, or dents. Small claims can have a big impact on your premium over time. That’s where having Scratch & Dent insurance can be a game changer.
Small Claims, Big Consequences
Each time you make a claim, it gets recorded. Even minor ones. And the more frequently you claim, the higher the risk you appear to be to insurers – which can lead to increased premiums at renewal.
What many drivers don’t realise is that submitting too many small claims can cost you more in the long run than just handling those little fixes yourself (or through a smaller policy).
Scratch & Dent Insurance
Scratch & Dent insurance is designed to take care of the cosmetic stuff – the door ding from a careless parker, the scratch from a runaway shopping trolley, or that little chip from a flying stone on the highway.
Instead of claiming from your main comprehensive policy and risking a premium hike, you use your Scratch & Dent cover for these kinds of minor mishaps. It’s usually more affordable and won’t affect your main policy.
Insurers We’re Accredited With
- A&G: Offers standalone “scratch & dent” as well as “tyre & rim damage” coverage.
- Old Mutual: Offers standalone “scratch & dent” as well as “tyre & rim damage” coverage.
- ONE: Offers tyre & rim damage coverage, but only if the vehicle is already comprehensively insured with ONE (additional cost applies).
- Santam: Includes the coverage automatically as part of comprehensive insurance.
- Momentum: Offers “tyre” coverage and “scratch & dent” coverage, but only if the vehicle is already comprehensively insured with Momentum (additional cost applies).
- Discovery: Automatically includes “tyre” coverage as part of comprehensive insurance. “Scratch & dent” coverage can be added at an additional cost (the vehicle must be comprehensively insured).
To save you the hassle of contacting each insurer to find the best option, we’ll gather all the information and quotes for you.
Keep the Big Policy for the Big Problems
Think of it like this: Your comprehensive insurance is there to protect you when it really counts – a major accident, theft, or serious damage. You don’t want to burn through your claims limit or bump up your premium because of a tiny scratch on your bumper.
With Scratch & Dent insurance in place, you give yourself breathing room. You’re still covered for the small stuff, but your big policy stays untouched and ready for the real emergencies.
Bottom Line?
Being insured is smart. But being smart about how you use your insurance? That’s even smarter.
Invest in Scratch & Dent cover and save your major policy for the major moments. It’s a small step that could save you money in the long run.
Speak to us directly at marketing@gsinsurance.co.za or Call 011 907 2412 / WhatsApp us at 060 541 4565, and we’ll guide and assist you through every step of your financial journey.
Disclaimer: Consult with a financial advisor for tailored advice. G&S Insurance Consultants is an Authorized FSP 14200.