Home > Car Insurance > Does Car Insurance Cover Scratches and Dents?
Learn if you are covered if your car has suffered minor damage like scratches or small dents with Savvy's helpful guide.
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Savvy Editorial TeamFact checked
If your car has been scratched or dented, you might be wondering if your car insurance can cover the cost of repairing the damage and whether it would be worthwhile. In this useful guide, we look at what damage your car insurance may cover and when to make a claim.
In Australia, there are several types of car insurance. Under third-party plans, you have limited cover for damage to your vehicle, with third party fire and theft cover only offering protection against theft and fire damage. However, if you have comprehensive car insurance, you are typically covered for a range of damage, including:
Many of these incidents can result in scratches and dents on your car. However, while you may be covered, you first need to decide whether it would be worth making a claim on your policy.
Before making a claim for scratch and dent repair, consider the following:
Some parts of Australia are prone to hail, which can cause substantial damage to vehicles. From denting your car’s exterior to cracking windows, you could find yourself facing an expensive repair bill or even have your car written off if it is caught in a hailstorm. However, if you have comprehensive coverage, you should be covered for hail damage repairs, subject to your excess and any policy-specific conditions.
Disclaimer:
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