How many years old can a car be to purchase scratch insurance?

1 Answers
SanHope
07/30/25 6:28am
Scratch insurance is generally available for vehicles within 3 years of age: 1. Introduction to scratch insurance: The full name is Vehicle Scratch Loss Insurance, applicable to family-owned and non-commercial vehicles. It covers isolated paint scratches on the vehicle's surface without obvious collision marks during the insurance period, with compensation provided by the insurance company based on actual losses; 2. Compensation: Typically, insurance companies apply a 15% deductible to scratch insurance claims. Scratch insurance comes with different coverage amounts, starting from 2,000 up to 5,000, etc. Each claim reduces the coverage amount accordingly; 3. Claim frequency: Scratch insurance is an additional coverage to Vehicle Damage Insurance, meaning it can only be purchased alongside Vehicle Damage Insurance and not separately. Claims made under scratch insurance are counted towards the annual total claim frequency. There is no limit to the number of claims within the policy year, but the total compensation cannot exceed the coverage limit.
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