What does car scratch insurance mean?
1 Answers
Car scratch insurance is an additional coverage to vehicle damage insurance, meaning it can be purchased only if the motor vehicle damage insurance is already in place. The full name of scratch insurance is 'Vehicle Scratch Loss Insurance', available for family-owned and non-commercial vehicles. It covers the cost of repainting the vehicle's surface when there are scratches without obvious collision marks during the insurance period, with the insurance company compensating for the actual loss. Scratch insurance is an add-on to vehicle damage insurance and cannot be purchased separately; it requires the main vehicle damage insurance policy to be active. Below is relevant information: Introduction: Scratch insurance, also known as vehicle scratch insurance, is one of the additional coverages, mainly serving as a supplement to vehicle damage insurance, providing effective protection against accidental scratches on the vehicle body. Vehicle Scratch Insurance Clauses: Clause 1 - Scope of Coverage: This insurance is an additional coverage to vehicle damage insurance and can only be purchased if the vehicle is already covered under vehicle damage insurance. Clause 2 - Insurance Liability: During the insurance period, if the insured vehicle suffers from isolated scratches on the painted surface without obvious collision marks, the insurer shall compensate for the actual loss according to the terms of this contract.
