How do we compare to other Cosmetic Repair Insurance policies?
Being part of Aequitas Automotive Ltd, Shortfall.co.uk is part of a group of brands that offer a number of additional automotive based products, designed to give you that financial protection should something happen to your vehicle. Whilst primarily, we specialise in Gap Insurance, we have also developed, in our opinion, one of the most comprehensive Scratch & Dent Insurance products available in the UK.
With the majority of Scratch & Dent policies available, you only have the ability to protect yourself against incidents incurring damage less than 150mm in diameter. However, at Shortfall.co.uk you have the ability to protect yourself against damage double the size, 300mm in diameter. This gives you a greater scope to what is and isn't covered when it comes to making a claim. Whilst we must highlight that this form of insurance is only a 'minor' incident policy, the fact that we give you the ability to protect yourself against damage up to 30cm, again limits the number of times you would have to arrange an external body shop repair.
Not only do we cover scratches up to 30cm in diameter, we also cover incidents that spread over more than one panel. Again, with other policies you'll find, they may only cover incidents that occur on one single panel rather than damage that has spread over two. We must highlight that damage that has spread over more than two panels wouldn't be covered and that's because we expect the size diameter to then be more than 30cm.
We also cover damage that occurs on horizontal and flat surfaces such as the bonnet and roof for example. The size limitations are adjusted slightly for horizontal surfaces, however, we do offer cover for flat surfaces when most other policies wouldn't. The scratch diameter still remains the same at 300mm in diameter and 3mm in depth, however, the likes of a stone chip is limited to 15mm in diameter and again 3mm in depth.
Another advantage of a Shortfall.co.uk Scratch & Dent Insurance policy is that you are not limited to maximum number of claims. With other policies you may only have the ability to make as many as 3 claims per year or 4 claims per year, however, with our policy there is no limit. Instead, you have a maximum claims benefit of £3,000, which is basically a budget to be spent on repairs over the term of the policy. You also have the ability to choose from 1 to 3 years cover, whichever is going to be most suitable for you. A main point that we must highlight is that this form of insurance can only be purchased within the first 30 days of you owning the vehicle and therefore it is not possible to extend or renew the policy at the point of expiry.
This policy is not transferable and therefore should you change your vehicle slightly earlier than expected, you couldn't transfer it over to the new car. However, providing you haven't attempted to make a claim or made a claim, you do have the ability to cancel the policy and obtain a pro rata refund less a £35 cancellation fee held by the underwriting insurer. This policy has a full 30 day cooling off period, within which if you do change your mind, you can cancel the policy and obtain a full refund, again providing you haven't attempted to make a claim.
The price quoted for our comprehensive Scratch & Dent Insurance policy is simply an added bonus, whilst price is an important factor in any purchase, the ability of the policy and how it performs when you need to use it, is the essential part of any insurance. Why not click to view or download our policy terms and conditions and compare our policy to others you're considering. If you have any questions or queries, please don't hesitate to contact a member of our award winning customer service team on 0800 195 4926 / 0151 647 7556 and any member of the team would be more than happy to assist.