Scratch and Dent cover

Hi guys.

I've just taken consignment of a three month old superb L&K on a 42 month PCP. The dealer was giving me information on both alloy wheel protection, GardX and the dent and scratch cover.

While I declined the GardX I went with the alloy wheel cover because of the diamond cut alloys that appear to be particularly difficult to fix and that standard insurance companies won't cover if they are chipped, scuffed or curbed.

As for the scratch and dent cover, I found a bundled deal with my gap insurer, but I am concerned that I will not be able to make full use of it over the term having read the small print which pretty much exclude everything under the sun. Has anyone got any experience of how good these covers are, and whether regular detailing and maintenance albeit from an amateur will suffice.

I'm loathed to pay £210 for this cover and find that the insurance company decline to fix something on a technicality, when I could hand the car back at the end of the term and Skoda barely deduct anything from the final value. Thoughts? I'm still in the 14 day cooling off period and would like some advice thank you.