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insured against hailstorms

An extreme hail storm: are you insured?

Jul 28, 2020
2 min reading time

Unfortunately, extreme hailstorms also occur in the Netherlands. Because the damage is often extensive, it is good to know if and how you are insured for hail damage.

Car insurance

A hailstorm can cause hefty damage to your car. Fortunately, you can insure yourself for hail damage. To do so, you must have taken out car insurance with WA + Limited Casco or WA + Casco (All-risk) coverage. It is also nice to know that you will not fall back on the bonus/malus ladder when you claim hail damage. Your claim-free years remain unchanged. However, you must take into account any excess chosen by you.

The caravan insurance

Hail damage is one of the most common damages to caravans. A severe hailstorm can cause thousands of dollars in damage in a short period of time. Fortunately, you can choose to include hail damage insurance with your caravan insurance policy. Especially if you go on vacation to a country in southern Europe, we recommend that you do so. After all, hailstorms are relatively common in this area.

Home insurance

Large hailstones can cause significant damage to the roof of your home. Especially if your home has skylights, you are at risk. Fortunately, hail damage to your home is covered on home insurance. However, keep in mind that insurers often charge an increased deductible for hail damage. If a hailstorm has caused damage to your household goods, such as your garden set, chances are your home contents insurer will pay for it. If you are a tenant of a house, you can recover any hail damage from the landlord.

Report the damage as soon as possible

For quick damage settlement, it is important to report damages to us as soon as possible. We also recommend that you always send us pictures of the damage. This reduces the chance of discussions about the circumstances or extent of the hail damage. You can report damage easily and quickly.

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