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PistonHeads is working as a GAP Insurance introducer for ALA IB Limited trading as ALA Insurance Brokers, who is Authorised and Regulated by The Financial Conduct Authority. FCA Firm Reference No 571109. Registered in England, number 06833207. Registered office: ALA IB Limited, Unit 3, Park Farm Courtyard, Easthorpe, Malton, YO17 6QX

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Scratch and Dent Insurance


What does this policy cover?

It can be a worry taking your new car to a busy car park and leaving it at the mercy of other drivers.

Cars are bigger, parking spaces are not, wayward trollies and hidden bollards - the list goes on and can all mean that your car might not stay as pristine as it was when you left it.

The ALA Scratch and Dent policy covers the SMART repair of minor cosmetic damage to the bodywork of your car, taking care of those little bumps and scratches that can be annoying and costly.


What is a SMART Repair?

A SMART repair (meaning small to medium area repair technique) is an alternative to a body shop repair. Our approved repairers operate nationwide and will send a qualified technician to your home or work* where they will match the specific paint colour of your car and carry out an expert restoration.

*There must be an off-road area like a driveway for the technician to complete the work safely.

Cover Features:

  • Repair of scratches, paint chips and paint scuffs up to 3mm in depth
  • Cover for dents with no depth limit
  • Choice of cover:
    • 150mm or 300mm in length and diameter
    • Single panel or two panels
  • Can be purchased for 1, 2 or 3 years
  • No limit on the cost of the repair
  • Maximum of 3 claims per policy year
  • Low excess of £15.00 per claim
  • Up to 30 days in the European Union in a 12-month period
  • Can be bought as a standalone policy – you don’t need to buy ALA GAP insurance
  • “A-Rated” underwriter UK General Insurance Limited on behalf of Great Lakes Insurance SE


Can I buy it?

You can purchase ALA Scratch and Dent insurance if your car:

  • Is listed in Glass’s Guide
  • Is less than 7 years old and has covered less than 70,000 miles
  • Has been purchased less than 30 days ago
  • Is not an emergency vehicle, taxi, bus, commercial vehicle, moped, scooter or motorcycle, or left-hand drive
  • Is not owned by a motor dealer or trader
  • Is not used for dispatch, road racing, track day participation, rallying, pace-making, speed testing or any other competitive event
  • Is not already damaged
  • Was purchased from a VAT registered garage


What is not covered?

  • Damage which occurs within 14 days of the policy start date
  • Any vehicle more than 7 years old or which has covered more than 70,000 miles at the start of the policy
  • Damage exceeding the chosen size or panel limit
  • Damage which cannot be repaired using a SMART repair and instead requires a bodyshop
  • Reapplication of paint protection film, liquid, wax or sealant
  • Non-standard or custom paint, including self-healing, chrome illusion, two tone or matte
  • Damage to stripes, decals, stickers and vinyl wraps
  • Damage to the roof
  • Any claim not made within 14 days of the damage occurring
  • Cover is not currently available to residents in Northern Ireland


How do I make a claim?

If you need to use your Scratch and Dent policy, please contact our UK based claims team on 0191 2588 141 no more than 14 days after your car is damaged.

You will need to provide photographs of the damage and pay the £15.00 policy excess.

The details and images of the damage will be sent to the repairer, who will contact you directly to arrange a suitable date and time to complete the repair.