Will car insurance cover paint damage?

Is your car looking a bit battered and bruised? Find out if your car insurance will cover you for paint damage.

Promoted
Confused.com car insurance logo
Get cheap car insurance quotes
Save up to £561 on your car insurance*
Compare over 120 insurance providers
Enjoy Confused.com rewards
Get a quote

Should your car’s paintwork get damaged in an accident or during a theft, you might be wondering if your insurance will cover it.

In this article we look at what type of insurance you will need to get help with repainting your car, and what type of incidents an insurer might refuse to pay out for. We also explain whether your insurance provider will pay for basic paint work or full body resprays, and outline how much cosmetic repairs will cost.

When will I be covered for paint damage?

You’ll only be covered for paint damage from an insured event. So if you have third party coverage, you’ll only be covered if someone hits you and you make a claim against the other driver.

If you have third party, fire and theft insurance, then the same applies as for the above. But also if your car’s paint is damaged as a result of fire or theft.

For those on a fully comprehensive car insurance policy, then you can claim for paint damage for the same reasons as third party, fire and theft. But also for any damage sustained in an accident – even if it was your fault.

What exclusions should I be aware of?

If your car isn’t looking so flash after years of wear and tear, you can’t just make a claim to fix this. You won’t be able to get a new paint job covered by insurance if it’s due to deterioration or weathering.

However, if it’s a single event, if a tree branch falls on your car during a storm say, then you might be able to claim. Needless to say, the chance of this happening is pretty slim. You’d need a fully comprehensive policy too.

How much does it cost to paint a car?

There’s no definite answer here unfortunately. The cost of repainting a car can vary drastically depending on how good a job you want done, whether you want any additional protective coatings, what kind of paint it is and what kind of car.

If you just want one panel of the car painted and maybe a dent removed, it should cost you a few hundred pounds. For whole car paint jobs though, you’re going to have to fork out extra.

A basic spray job for your car can cost anywhere between £1,000 for a basic respray and £10,000 for an extensive job, or for a luxury or vintage car. Before a full body spray job can be done, the garage will have to sort out any scratches, chips or dents first. This can push costs up too.

What kind of paint job will car insurance cover?

It depends on the type of claim and the cause of damage. If your car’s body was heavily damaged and needs a proper paint job, then that’s the the level of quality you can expect. If it’s just going over a scratch, then it’ll be a cheaper and more basic touch up.

Frequently asked questions

Who is most likely to be researching insurance cover for paint damage?

Finder data suggests that men aged 25-34 are most likely to be researching this topic. We're not saying anything!

ResponseMale (%)Female (%)
65+2.96%
55-645.24%
45-549.11%5.69%
35-4417.31%7.97%
25-3420.96%13.44%
18-2411.39%5.92%
Source: Finder sample of 439 visitors using demographics data from Google Analytics
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (Mar ’24). 51% of car insurance customers could save £539.54
Avatar

Written by

Esther Wolffowitz

Esther Wolffowitz was a publisher at finder.com specialising in insurance. Esther holds an MSc in Media and Communication Governance from the London School of Economics and Political Science (LSE). See full profile

More guides on Finder

  • Dude, when’s my car insurance?

    We explain how to find out when your car insurance is up for renewal and how to avoid the hefty fines for missing it.

  • Cat S insurance

    Learn how to find insurance for your Cat S write-off, average cost and whether you can keep your category S car.

  • Admiral car insurance review

    Compare and review all the policies on offer from Admiral car insurance and see if it provides cover that suits you.

  • Fiat 500 Insurance Group

    Find out which insurance group your Fiat 500 belongs in, how much it should cost to insure and how you can save on your premiums.

  • Cheapest car insurance in the UK

    Good car insurance doesn’t have to be expensive. Compare cheap car insurance quotes to start saving today.

  • Direct Line car insurance review

    Compare Direct Line’s car insurance options with our analysis and review. Find out what’s covered and how to make a claim.

  • RAC car insurance review

    Compare and review RAC car insurance and find out if it’s the right cover for you. Discover policies and how to save on your premiums.

  • Tesco Bank car insurance review

    Compare and review Tesco Bank car insurance and see if it has the right policy to protect you behind the wheel.

  • Car insurance exclusions

    Find out what car insurance won’t cover so you can avoid any nasty surprises at claim time.

  • Get agreed value car insurance quotes online

    Find out how agreed value car insurance works and if it’s the right option for you.

Go to site