Your regular car insurance has high excess fees (often R3,000-R5,000) that make small claims pointless. Plus, most people avoid claiming for minor damage because it's just not worth the hassle and cost. Scratch and dent coverage has low or no excess, so you can actually afford to fix those little dings and scratches.

No! Scratch and dent claims are completely separate from your main car insurance, so your no-claim bonus and premium history stay untouched. You can claim as much as you need without worrying about premium increases on your main policy.

All the everyday stuff - parking lot dents, key scratches, shopping cart dings, stone chips, minor bumper scuffs, and those mysterious scratches that just appear. Basically, if it's under R5,000 to fix and doesn't involve a major accident, you're covered.

Most policies give you 2-4 claims per year, though some providers offer unlimited minor repairs. Perfect for those accident-prone parking situations we've all been in.

The usual stuff - no pre-existing damage, no wear and tear from age, and it won't cover major accident damage (that's what your main insurance is for). Otherwise, you're pretty much covered for daily life mishaps.

Absolutely! You don't need to claim after every single incident. Many people collect a few scratches and dents over a few months, then make one claim to fix everything at once. Just keep in mind that if you wait too long, it might be harder to prove when the damage happened, so most insurers prefer claims within 6 months of the damage occurring.