Can a 5-year-old car purchase scratch insurance?

[DelGabriel]

5-year-old cars cannot purchase scratch insurance. As an additional auto insurance, scratch insurance is generally only available for the first three years after a car is purchased. After five years, it can no longer be purchased. Below is an introduction to scratch insurance: 1. Overview: Scratch insurance is an add-on to auto damage insurance, meaning it can only be purchased if the vehicle is already covered under auto damage insurance. The full name is Body Scratch Loss Insurance, available for family-owned and non-commercial vehicles. It covers the cost of repainting the car's surface when there are scratches without obvious collision marks during the insurance period. Scratch insurance is an add-on to auto damage insurance and cannot be purchased separately. 2. Age Limit: Insurance companies have restrictions on the age of the vehicle for purchasing scratch insurance. Currently, PICC stipulates that only new cars within 1-2 years can purchase scratch insurance; some vehicle insurance policies limit the age to no more than 5 years; generally, insurance companies set the limit at no more than three years.

[Paula]

I've been driving for five years, and recently while renewing my insurance, I considered adding scratch coverage. I noticed that insurance companies have quite a few restrictions for older cars. It's easier to get scratch coverage for a new car, but after five years when the vehicle's value depreciates, some companies outright refuse or significantly increase the premiums. However, it's not all bad news; if the car is well-maintained, has below-average mileage, and hasn't been in any major accidents, there are still companies willing to offer coverage. I personally found a few online platforms through an insurance broker that would accept it, but I had to get quotes myself. Scratch coverage is quite practical for protecting the car's body, especially in city centers where parking can lead to scrapes, but the cost can be more than double that of a new car. Overall, for a five-year-old car, scratch coverage isn't very cost-effective. It might be more economical to save the money and invest in regular polishing and maintenance instead. I recommend contacting your insurance company first to inquire about options. Don't be afraid of the hassle—comparing a few companies can help you find a plan that suits you best.

[MacSerenity]

From frequent dealings with insurance matters, whether a five-year-old car can purchase scratch insurance depends on the specific policy. Most companies are more favorable toward new cars, but a five-year-old vehicle with a clean accident record and good condition may still qualify. The key is to review the company's terms; some may set an age limit, such as covering only cars under five years old, in which case you'll need to find a more flexible insurer. I recommend car owners directly assess online or call for quotes to save time. Scratch insurance itself covers minor damage repairs, but for older cars, the premium might be higher, making comprehensive coverage a better priority. In actual driving, urban areas pose higher scratch risks, so assess driving habits and budget balance before purchasing. Buying scratch insurance for a five-year-old car isn't impossible, but it requires proactive research into details rather than passive waiting.

[DeArabella]

Buying scratch insurance for a five-year-old car? The insurance company might give you the cold shoulder. New cars have many additional insurance options, but older cars come with restrictions—my experience is that the older the car, the higher the threshold. It might be better to buy a scratch repair kit and handle minor issues yourself—cheaper and simpler. City parking often leads to scratches, and while scratch insurance seems appealing, the added cost may not be worth it for a five-year-old car. Overall, spending the insurance money on regular waxing works better and prevents rust. Talk to friends and check online reviews before blindly buying insurance and wasting money.