Will car insurance cover paint damage?
Sometimes — it depends how it happened.

As a general rule of thumb, car insurance won't cover you for anything that's related to general wear and tear. So if your car is just a bit old and the paint has started to peel, this isn't covered.
However, paint damage will be covered by a comprehensive car insurance policy if the damage occurs as the result of a claimable event. What might that be?
Essentially, if the event was unforeseeable — you're likely to be covered.
If the event is down to wear and tear and just general use, you're less likely to be covered.
Yes, it's very likely that you'd have to pay your excess for a paint damage claim.
So, with that in mind. Here's what you should consider first:
If the cost of your excess is higher than the quote to fix the paint, then you might be better off sorting the damage without going through your insurance.
"Before you make a claim, be aware that it'll likely lead to an increase in your next premium at renewal time. If the damage is so substantial that you feel this cost is worth it, then go for it. But if it can be settled on your own, then it may well be cheaper for you to do that."
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