Insurance

The coverage of scratch and dent insurance is to financial protect the vehicle owner from minor blemishes on the finish of the vehicle. This is coverage for repairs on damage from everyday use of the vehicle and not from accidents or collisions. Below we have compiled some information including what is covered in scratch and dent insurance.

What Constitutes a Minor Blemish?

• When a section of the paint is chipped away and is 150 mm or 5.9” and smaller in diameter.
• When a scratch is no longer than 150 mm or 5.9”.
• All dents must be 150 mm or 5.9” or smaller in diameter.
• Scuffs on the paint have to be 150 mm or 5.9” or smaller in diameter.

The total amount of the repairs must not exceed the upper limit as stated in the policy for the damage to be repaired. Repairs to glass windows and sunroofs are excluded from this coverage. Only damage to the exterior of the vehicle is covered with this type of insurance policy.

What Types of Vehicles can be covered by Scratch and Dent Insurance?

• Most any motor vehicle to be utilized for personal use.
• The insurance policy must be taken out within 30 days of the vehicle being purchased.
• On average the vehiclecan be 2 to 7 years old depending on the policy and insurance company.
• The maximum amount of mileage on the vehicle to be covered is from 20,000 to 70,000 miles depending on the type of coverage and the insurance company.
• Only standard paint jobs or finishes like from the factory are covered with scratch and dent insurance. Custom paint jobs and non-s standard finishes are not covered.
• Once a policy is written and remains in effect the vehicle can be covered until it is 30 years old under most policies as long as the premium is paid.

What Vehicles are not covered by Scratch and Dent Insurance?

• For hire vehicles like cabs and Uber vehicles cannot be covered.
• Commercial vehicles over 3,500 kg, 7,716 lbs or 3.9 tonnes.
• Quad vehicles and motorcycles.
• Any vehicle used to transport goods.

Time to Make a Claim of Damage

• Most policies are written where a claim must be made between 15 or 30 days of the damage occurring.
• No preexisting conditions on the exterior of the vehicle are covered.
• The exact time allowance will be clearly stated in the policy.

How Long are the Repairs Guaranteed for?

• The time of protection against a bad repair depends on the policy.
• Most repairs are covered from 3 to 5 years with the cost of the repair being completed again as part of the insurance coverage as stated in the policy.

Scratch and Dent insurance is for coverage on the policy holder’s vehicle only. No third party vehicle owner is covered in this type of policy like in Liability insurance policies.

The scratch and dent insurance policy is separate from all other policies a vehicle owner has on their vehicle. When a claim is made on the scratch and dent policy, their other policies are not effected in terms of points or occurrences.

Securing a car insurance is not only for your protection, it also gives you a sense of confidence when you are embarking on a long journey. When you are browsing the internet you must have come across an opportunity of obtaining a free car insurance quote. You can truly and safely get any policy coverage you desire at an affordable rate when you request a free auto insurance Ontario on the internet.

The need for Insurance:

Insurance gives you primary protection from different damage and losses that you may incur during an accident or in the event of burglary. The insurance cover is usually on the driver or owner of the vehicle, the automobile itself andany individual who is affected during an accident or a collision. Insurance policies have various coverage plans.

Insurance is an obligation:

Under the rules of government, you must have insurance coverage for your car. You are not allowed to drive your vehicle without having the right insurance documents on you. For this reason you need to seek for car insurance quotes online to enable you compare quotes of different policies from various firms and obtain a cheaper rate.

You can walk down to any local office of any insurance firm in your locality; they will be glad to meet with you and will treat you politely. They will ask you some facts about your car, about you and your experience in driving. This information is necessary to offer you a free quote from their database.

The important factor in shopping for insurance is to make a request for a free quote online. You need to consider searching for many insurance quotes to make sure you found the lowest quote to help you save some cash.You can use the tool of the internet to visit popular insurance websites for free car insurance quote. You need to visit many insurance firms to compare quotes offered by many companies.

The best way to get a very cheap insurance rate is to search for free quotes on the internet. You need to visit any insurance website where you will see an application form on the home page of the website. You will need to fill in an application form which the company will use to send you a free quote.

The application will require some definite details from you. You will have to provide your car make and model, your employment details, your driving history etc. You have to fill in your information in the form and submit it. The company will instantly respond with a free quote for you. In this way you will visit many sites online and satisfy you need for a car insurance quote online.

Next, you have to collate all the responses you received from the insurance companies and compare them to get the least one so you can visit the company to provide an insurance policy for your automobile. You will be saving lots of money when you compare quotes using the option of free quotes online during your research.

Or you can visit us in person:

Shop Insurance Canada

1003-60 Bathurst St.

Toronto, ON

M5V 2P4

Canada

416-913-0151

Car insurance is vital to all drivers and in many areas it is actually a requirement to purchase it. However, this doesn’t mean that car insurance is difficult to get or too costly. In fact, most insurance companies offer vehicle insurance that is effective and very reasonably priced and they can even educate you on the different types of car insurance, which means that you are guaranteed to get the kind you need. At first glance, car insurance policies may seem a little complex but once you learn a few basic concepts, the task of choosing the right policy for you becomes much easier. Whether you drive ten kilometres per day or forty, you can get the right policy for your needs if you solicit the help of a competent insurance agent. In fact, this is the only way to ensure that you get the policy that works best for you.

Car Insurance Doesn’t Have to Be Complicated

Vehicle insurance usually consists of liability, which only covers the damages to the other person’s vehicle, and comprehensive, which covers everything including towing fees, rental cars, and medical expenses associated with the accident. A Warranty and Insurance Budget Direct comprehensive car insurance also covers key locks and barrels, replacement of your vehicle if it is totalled, damages to personal items, removal of debris from the accident scene, and even coverage for a death that may result from the accident. You can submit claims for the accident itself, for theft or attempted theft, and even for environmental damage from a storm, flood, or even hail. The coverage limits and deductibles change with each policy but companies such as Warranty and Insurance can help you determine which one is best for you. In fact, even if you are somewhat familiar with car insurance, it is best to speak to a qualified agent before deciding which policy to purchase because he or she can not only help you decide on the most effective policy for your needs but will make sure that the policy you receive is the most cost-effective one as well. Although they are in the business of selling insurance policies, they are also interested in saving you money, and they work hard to do just that.

Car Insurance Made Easy

Everyone needs car insurance whether you use your vehicle often or just periodically. Insurance companies can offer you a great policy at a very reasonable price and they always work with you so that you don’t get too little or too much coverage. Most of them can also be found on the Internet, which is a great way to research all the services they provide and details about each policy they offer. Furthermore, there are many discount car insurance companies these days, which means that it is simple to get the policy you need at prices that won’t break the bank. When you need a car insurance policy, trusting the professionals is always your smartest option because they can provide a policy that is inexpensive and that covers most of the scenarios you may be exposed to in years to come.