Hello everyone, I'm a friendly person in north London who has recently bought a Honda Jazz 1.4 EXL (2012). I hope to get to know some of you in the coming weeks and months.
Main questions:
Scratch and Dent Car Insurance (Cosmetic / Minor Damage / SMART Repair Insurance) - is it worth it?
What are your experiences with claims?
Any recommended insurers?
Do you have to inform your main insurer of a claim?I've recently bought a used Honda Jazz (2012) from a franchise main dealer. I live on a road - narrow but not super-narrow! - in north London where cars and vans sometimes hit my car and those of my neighbours, causing scrapes, scratches and minor dents.
- I'm considering buying Scratch and Dent Car Insurance (Cosmetic / Minor Damage / SMART Repair Insurance) and would love to know if you've bought similar cover? Is it worth it? If you had to make a claim, was it problem-free?
- Did you have to inform your main car insurer of such a claim? (I thought the whole point of Scratch and Dent Insurance is to avoid making a claim on your main car insurance policy and affect your no claims, premiums etc.)
- Can anyone kindly recommend a good Scratch and Dent Car Insurance company?
(Btw I've also considered GAP insurance but don't feel I need it; i.e. if the car is a write off, the insurance that covers the gap between what your insurance company would pay (market value of car at the time) and the invoice value of the car.)
Any and all advice and help is greatly appreciated - thanks so much in advance!