Car scratch and paint repair

Whether a scratch buffs out at home or needs a paint shop depends on how deep it goes. Start with the fingernail test, then pick the right fix.

  • Prices in NZ$
  • Updated 16 October 2026
On this page
  1. How deep is the scratch?
  2. Car scratch repair cost in NZ
  3. How to fix light scratches yourself
  4. Stone chips and paint chips
  5. Faded paint, sun damage and peeling clear coat
  6. When to use a paint shop
  7. Frequently asked questions

How deep is the scratch?

Car paint is built up in layers. On most modern cars there is a clear coat on top, the colour (base coat) under that, then primer, then the metal or plastic panel. The right car scratch repair depends on which layer the scratch has reached.

The quickest way to find out is the fingernail test: wash the area and run a fingernail gently across the scratch.

What you noticeLikely depthUsual fix
Nail doesn’t catch, scratch vanishes when wetClear coat onlyPolish by hand or machine
Nail catches slightly, colour still visibleInto the base coatTouch-up paint and polish, or smart repair
Grey or white layer showingPrimerProfessional paint repair
Bare metal or plastic showingThrough all layersProfessional repair, quickly, to stop rust

The test takes less than a minute and stops you buying the wrong products for your car paint repair.

Car scratch repair cost in NZ

Indicative ranges in NZ$ including GST, based on prices published by New Zealand workshops and checked in October 2026. Your quote will depend on the car, the parts used and the region.
JobTypical cost (NZ$)Notes
Colour-matched touch-up paint (DIY)From about $50Use your car’s colour code
Machine cut and polish$150–$600Whole car; multi-stage paint correction costs more
Professional stone chip touch-up$200–$350
Smart repair, one panel$200–$500Small area, often mobile
Panel repaint$700–$2,500Including preparation and blending
Full respray$3,000–$10,000+
Keyed carPriced per panelUsually an insurance claim

Colour makes a difference: metallic, pearl and three-coat finishes take more work to match than solid colours. The size of the panel and whether the paint needs blending into the next panel also change the price.

How to fix light scratches yourself

Scratches in the clear coat are the easiest to fix at home, and the right products are sold at any car parts store.

  1. Wash and dry the area. Dirt left on the paint will cause more scratches as you polish.
  2. Check the depth with the fingernail test. If you can see primer or metal, stop here and see a professional.
  3. Polish the scratch. Use a scratch remover or polishing compound on a clean microfibre pad, working a small area with firm, overlapping strokes. A dual-action machine polisher gives a more even result than hand polishing.
  4. Touch up deeper marks. For scratches into the colour, apply touch-up paint matched to your car’s colour code in thin layers, let it harden fully, then polish it level.
  5. Protect the paint. Finish with wax or a paint sealant to protect the repair.

Your car’s colour code is on a label, usually in the driver’s door frame or under the bonnet. Touch-up paint mixed to that code matches much better than a generic shade. Keyed scratches are a different matter: they are usually too long and deep for a good DIY result, so see the FAQ below.

Stone chips and paint chips

Stone chips collect on the bonnet, front bumper and below the windscreen. They look small, but a chip that goes down to bare metal will start to rust, especially near the coast.

To fix paint chips on a car, clean the chip, remove any loose paint or rust, then build it up with thin layers of touch-up paint applied with a fine brush or a toothpick. Let each layer dry before adding the next, until the chip is level with the paint around it. Big paint chips, or a bonnet covered in them, are a job for a smart repairer or paint shop.

Faded paint, sun damage and peeling clear coat

New Zealand’s strong UV is hard on car paint, and the roof and bonnet take the worst of it. Sun damage shows up in two different ways:

  • Oxidation. The paint looks dull, chalky or faded, often on older red and dark cars. Machine polishing (a “cut and polish”) can bring much of the colour and gloss back.
  • Clear coat failure. The clear coat turns milky, cracks or peels away in patches. Polishing can’t fix this. The panel has to be sanded back and repainted.

If you are trying to fix faded paint on a car roof, start with a test patch: if polishing brings the shine back, keep going; if the surface stays rough or patchy, the clear coat has failed. Waxing or sealing the paint a few times a year and parking in the shade slow both problems down.

When to use a paint shop

A professional repair is the better choice when the scratch reaches primer or bare metal, when the damage covers a large area or several panels, when the car has a metallic or pearl finish, or when you are returning a leased car or selling it soon.

For small areas, ask about a smart repair (small to medium area repair). The technician repairs and repaints just the damaged spot and blends it into the panel, which is quicker and cheaper than respraying the whole panel. Many smart repairers are mobile and work at your home or office.

Frequently asked questions

How much does car scratch repair cost in NZ?

Light scratches that polish out typically cost $150–$600 to have done professionally. A small-area (smart) repair on one panel is usually $200–$500, and a full panel respray $700–$2,500. Touch-up paint for DIY repairs costs much less.

Can deep scratches be fixed without a respray?

If the scratch is through the clear coat but not the colour, careful touch-up and polishing can make it hard to see. Once it reaches the primer or bare metal, a proper repair means filling and repainting at least part of the panel, though a smart repair can keep that to a small area.

How do I fix a keyed car scratch?

Keyed scratches are usually long and deep, and often run across more than one panel, so they are hard to fix well at home. Report the damage to the police if you want it recorded, then check your insurance: vandalism is normally covered by comprehensive policies. A paint shop will usually repaint the affected panels.

Can peeling clear coat be fixed?

Not by polishing. Once clear coat starts to peel or flake, the only lasting fix is to sand the panel back and repaint it with fresh base coat and clear coat. Caught early, the repair can sometimes be limited to the worst panels, such as the roof or bonnet.

How do I fix stone chips in car paint?

Clean the chip, remove any loose paint or rust, and fill it with touch-up paint matched to your car’s colour code. Apply several thin layers with a fine brush or toothpick, letting each one dry, until the chip is level with the surrounding paint. Large or numerous chips on the bonnet and bumper are worth having repaired professionally.

Updated 16 October 2026

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