Hail damage car and insurance
If your car suffers hail damage, the cost of repair quickly adds up. If you have at least limited collision car insurance, hail damage to your car will be covered by the insurer. Third-party insurance does not cover it. Whether claiming affects your claim-free years varies by insurer.
Compare auto insurance policiesExtreme weather conditions
Due to climate change, weather conditions are becoming more severe. In extreme situations, hailstones fall from the sky like golf balls. Such a hailstorm can seriously damage your car. Hail can even cause so much damage that you can no longer drive your car.
Hail damage coverage per insurance policy
The cost of repairing hail damage can be quite expensive. So check if your car insurance covers hail damage to your car.
WA car insurance
WA car insurance unfortunately never provides compensation for damage to your own car. Whether this is dents in your car due to hail or some other form of (hail) damage.
Limited hull car insurance
If you have limited casco car insurance, hail damage to your car will be covered by the insurer.
All-risk car insurance
All-risk car insurance also covers hail damage, of course.
Exclusions coverage hail damage
Insurance may exclude coverage for negligence. Consider leaving the car in an open area when a timely hail warning had been issued. Also, if you leave the window open and thereby damage the interior, this is often not covered. Therefore, always check your policy terms and avoid surprises.
Excess damage car hailstones
Do you have all-risk or limited casco car insurance? Then damage to your car caused by hailstones is insured. Usually you pay an excess for hail damage. How high the deductible is, varies per insurer. You can find this in the policy conditions.
Reporting hail damage in 2 steps
Do you have hail damage to your car? Then you need to do 2 things:
1
Contact your intermediary or insurer directly
Call your agent or insurance company. They will tell you whether you can have your car repaired and what you need to arrange. Fill out the claim form right away.
2
Take pictures of the damage
Take clear pictures of the damage to your car. Also photograph the hailstones that fell. That way the insurance company can see how big the hailstones were. Include what time the car damage occurred.
Procedure after claim notification
After filing a claim report about hail damage to your car, you will be given a regular contact person and your own case number.
- Your insurer will contact you to discuss the claim.
- Your car will be assessed by a designated body shop or expert. They will determine the extent and cost of the repair.
- If your insurance covers it, the insurer will pay the repair cost. You can then make an appointment for the repair.
Claim-free years and hail damage
By driving damage-free, you build up damage-free years. This gives you a discount on your car insurance premium. Claiming damage to your car due to hailstones is usually not at the expense of that.
However, this varies by insurer, so check the terms and conditions on your car insurance policy. Your insurer or agent can calculate for you what is more advantageous in your case: claiming the damage or paying for it yourself.
Car damage caused by hail abroad
Did the hail damage occur abroad? The same coverage for your car insurance applies abroad as in the Netherlands. In which countries you are insured is shown on the green card.
Also, in case of hail damage to your car abroad, contact your insurer immediately.
Tip: ask the hotel/campground owner to prepare a statement. After all, your insurer may have difficulty verifying that it actually did hail during your vacation abroad.
Compare auto insurance policies
Premiums and terms vary greatly from one car insurance policy to another. Therefore, use our tool to easily compare different car insurance policies. Then take out car insurance directly.
Frequently asked questions about hail damage to cars
Is hail damage covered by my car insurance?
Yes, hail damage is covered if you have limited casco or comprehensive car insurance. These insurances cover damage caused by extreme weather conditions, such as hail. Do you only have third-party insurance? Then hail damage to your car is not covered.
Which car insurance covers hail damage?
A limited casco and comprehensive car insurance cover hail damage to your car. The third-party insurance does not cover damage to your own vehicle. Always check the policy conditions to be sure what your insurance covers.
What is the deductible for hail damage to my car?
In case of hail damage, a deductible usually applies if you have a limited casco or all-risk insurance. The amount of the deductible varies per insurer and can be found in your policy conditions. In some cases, you can buy off this deductible.
When is hail damage excluded from coverage?
The insurance may exclude hail damage in the event of negligence. For example, if you deliberately leave your car outside despite a hail warning, or if windows were open, causing damage to the interior. Read your policy conditions carefully to avoid surprises.
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