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Scratch & Dent Insurance | Gap Insurance 123


Scratch & Dent Insurance | Gap Insurance 123Gap Insurance 123

Looking for Scratch & Dent Insurance with your Gap Insurance 123 policy?


At Gap Insurance 123 we specialise in Gap Insurance, however, being part of Aequitas Automotive Ltd, we can offer you a choice of two different Scratch & Dent Insurance policies through our sister brands, Shortfall.co.uk and Totallossgap.co.uk. Both forms of protection are different and depending on what you are looking to protect will determine which policy is best for you.

You don't have to purchase a form of Scratch & Dent Insurance alongside your Gap Insurance 123 policy, however, if you have been offered this form of insurance during the purchase process of the vehicle, you will be pleased to know that whilst we don't offer Scratch & Dent Insurance, Shortfall.co.uk and Totallossgap.co.uk have the ability to offer you a form of protection.


Shortfall.co.uk - Scratch & Dent Insurance


This policy has been designed to give you more coverage in terms of the size of the damage included and the number of times you could claim on the policy. With this policy you have no maximum number of claims and instead, have a £3,000 maximum claims benefit. This is basically a maximum budget of £3,000 spread over the full policy term, the maximum being 3 years, meaning you have no limit to the number of claims and instead a budget.


This policy will also cover scratches, scrapes and scuffs up to the maximum size diameter of 300mm. This gives you a greater area of coverage compared to that of other policies only covering up to 150mm in diameter. On the other hand, you have an excess to pay per claim of £25. This policy will also cover damage that spreads over two panels, rather than being limited to just one single panel.


This policy is underwritten by Mapfre and claims are handled by Abraxas Administration Services, who are based in Bristol in the UK. All work is carried out by an approved repairer with a guarantee of 5 years attached to the work carried out.

Key Policy Features

  • No Maximum No. of Claims
  • £3,000 Maximum Repair Benefit
  • 300mm in Coverage (refer to policy terms)
  • £25 Excess/Call Out Charge Per Claim
  • Damage Incurred Over Two Panels
Scratch & Dent Insurance from Shortfall.co.uk


Totallossgap.co.uk - Scratch & Dent Insurance


This policy is slightly different to the policy described above, instead of a maximum claims benefit and no limit to the number of claims, this policy has a maximum number of claims of 6 per year. However, there is no maximum repair cost attached to each claim and therefore, providing you are within the set number of claims, you won't run out of budget. This policy will only offer a maximum size diameter of 150mm so half the size of the policy above.


That said, the excess per claim is just £10, compared to the £25 per claim charged with a Shortfall.co.uk policy. This policy will also cover damage that spreads over two panels, again rather than being limited to just one single panel.

This policy is underwritten by Qudos Insurance and claims are handled by Tobell Insurance Services, who are based in Sheffield in the UK. Again, all work is carried out by an approved repairer and comes with a guarantee.

Key Policy Features

  • 6 Claims Per Year
  • No Maximum Repair Cost
  • 150mm in Coverage (refer to policy terms)
  • £10 Excess/Call Out Charge Per Claim
  • Damage Incurred Over Two Panels
Scratch & Dent Insurance at Totallossgap.co.uk


If you are interested in Scratch & Dent Insurance, why not click to find out more and obtain a quotation or alternatively, contact a member of our award winning customer service team, who would be more than happy to answer any questions or queries you may have, as well as providing a quotation.


Totallossgap.co.uk - SMARTCare Cosmetic Repair Insurance


If you are looking for something a little more 'all inclusive' then as of December 2019, our sister website at Total Loss Gap has a great alternative to consider.

SMARTCare Cosmetic Repair Insurance combines three products into one:

  • Scratch and Dent Insurance
  • Alloy Wheel Insurance
  • Interior Repair Insurance
So instead of buying these products individually, at a mugher overall costs, you can now combine the benefits of all the products into one. The policy allows for up to 5 claims per 12 month period of cover. So in one year you could, for example, have 2 claims for alloy wheel repairs, 2 for bodywork repairs and one for an interior repair.

The combined product also adds some better features than you can find on the individual products also, including:
  • Up to 22 inch wheels covered
  • Up to 30cm of damage on your bodywork covered
  • Cash contributions if an eligible area of damage cannot be repaired by our network of repairers.
For more information please click the image below, or call a member of our team.

smartcare cosmetic insurance