Scratch and
Dent Insurance

Protect Against the Inevitable

Who is the insurer?

Scratch and Dent Insurance is arranged for you by Stubben Edge (Risk) Limited who will act on your behalf and is underwritten by 1Edge Insurance PCC Limited.

Stubben Edge (Risk) Limited (company number 09073942), is authorised and regulated by the Financial Conduct Authority (‘FCA’) reference number 943286.

What is scratch and dent insurance?

At Axioma, we’re all about transforming the car repair industry. With our revolutionary Scratch and Dent protection, you can now safeguard your vehicle’s paintwork against minor scratches, dents, scuffs, and paint chips. This policy, uniquely tailored for you, allows up to three claims per year at an affordable rate of £15 per month*.

Our approach? We’re reinventing the way you protect your car against minor scratches, dents, and scuffs. In an era of crowded car parks and ever-increasing vehicle sizes, minor car accidents have become a common occurrence, costing UK drivers over £1.4 billion per year**.

Our specialists use the SMART (Small to Medium Area Repair Technology) repair technique to remove dents and scratches as if they never happened. We are committed to providing the highest quality SMART car body repairs such as paintwork scratches, bumper scuffs, dents, and scrapes at the most competitive prices.

Protect your car today from just £15 per month

What does Scratch and Dent insurance cover?

Paint Scratches and Scuffs

Less than 300mm in length and/or diameter, 3mm in depth, and within a maximum of one body panel


Less than 300mm in length and/or diameter, 3mm in depth, and within a maximum of one body panel

Paint Chips

Less than 300mm in length and/or diameter, 3mm in depth, and within a maximum of one body panel


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How much does it cost?

At Axioma, we believe in offering high-quality service at a fair price. That’s why our Scratch and Dent Insurance is competitively priced from just £15 per month. This single policy allows you to make up to three claims per year, providing an affordable solution for protecting your vehicle against minor scratches, dents, scuffs, and paint chips.

Remember, investing in our Scratch and Dent Insurance could save you from more substantial out-of-pocket expenses in the long run, as minor car accidents are costing UK drivers over £1.4 billion per year**. With Axioma, you can drive and park with peace of mind, knowing that your vehicle’s aesthetics are well protected.


The SMART way to insure your car against minor scratches dents and scuffs

We understand the hassle that comes with car paint damage. It’s not just about the unsightly scratch or dent. The process of getting quotes from various repairers, being without your vehicle for 1-3 days, and the disruption to your routine can be quite stressful.

That’s why we’ve designed our Scratch and Dent Insurance to give you peace of mind. With Axioma, you can drive and park your vehicle confidently, knowing that should an accident occur, our network of specialists across the nation will be ready to repair the damage swiftly and efficiently. You can choose a time and place that suits you, ensuring minimal disruption to your daily routine.


Frequently asked questions

What is a SMART repair on a car?

SMART repair stands for ‘Small, Medium Area Repair Technology’. It’s the process of repairing a small area of your vehicle to make it look as good as new again, without replacing a whole panel. The SMART Repair service is made to make your life easier and to cut cost.

What kind of damage can you repair?

We can repair most dings, dents, scratches and scuffs in car panels and bumpers. Our expert technicians have years of training in body-shops and can repair most damage provided there isn’t any heavy, structural damage to the car. We are an environmentally-friendly company and will always try to repair rather than replace parts. You can take a look at the full list of car body repair services we provide here.

What do you need to carry out the work?

Our repairers need space for their van (at least 3ft on either side of the car) and access to electricity to be able to carry out the work. If you don’t have access to an electrical outlet, please let us know and we’ll arrange to send a repairer fitted with a generator (please be mindful of the fact that not all repairers carry them so this is subject to where you are).

How long will the repair take?

This really depends on the extent of your damage. Bumper scuffs and light panel scratches will typically take 2 to 3 hours to fix.

Will my colour match?

During the car scratch repair process, an accurate colour match is obtained using a Spectrophotometer, matching the manufacturer’s finish. We can then replicate the colour with our specialist range of tints. So, whether you need one car wheel arch scratch removed, or multiple bumper scuffs repaired, the work can be undertaken in a relatively short amount of time, restoring your car paintwork to a high quality.

What SMART repair technique do you use?

Here are the steps we take to repair scratches and scuffs:

  1. Clean and dry the area to remove dirt and waxes that may interfere with the repair

  2. Carefully cover neighbouring panels and details like lights, badges and moulding to protect them

  3. Sand back the damaged area to reveal paint and primer layers – we rebuild the colour layer by layer for a high-quality finish

  4. Prime with a grey base and cure with an infrared lamp or blower

  5. Apply the paint in thin layers with a spray gun, heating it to dry between each application

  6. Cure the entire area with an infrared lamp or blower

  7. Allow to cool, then remove any paint nibs with extremely fine grain paper

  8. Polish and buff the panel

Do SMART repairs last? How long is the repair guaranteed?

All of our paintwork comes with a lifetime guarantee.

Is SMART repair the same as Paintless Dent Removal? (PDR)

PDR is a type of car repair that removes minor dents where the paintwork is not damaged. It involves accessing the back of the damaged panel and using special tools to ‘massage’ out the dent. We do not carry out these types of repairs as we cannot guarantee the quality of the repair.

How much will my SMART repair cost?

We don’t provide a pricing grid, however, for bumper scuffs / scrapes you are likely to pay between £130 and £180 depending on damage and location. Panel damage will typically range between £160 and £230 depending on location and severity.

* This policy offers an excess waiver for those who would prefer to not pay any excess(es). For an additional £1 per month, the policy excess is set to £0.

** Source: Telegraph.



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