Does insurance cover storm damage to a car?

Do you have limited comprehensive or all-risk coverage? If so, the insurer will cover storm damage to your car. However, this is subject to the condition that the storm reached at least wind force 7. The insurer verifies this using data from the KNMI.

If your car sustains storm damage, it’s wise to contact your insurance agent or insurer immediately. They will tell you exactly what to do and what you’re entitled to. There are a few things you must do yourself in any case if your car sustains storm damage. First and foremost, it’s important that you fill out a claim form. It’s also important that you take clear photos of the damage. You can send any witness statements to the insurer. Also, clearly state the time the damage occurred. Be as precise as possible so that the insurer can verify whether the storm reached at least wind force 7.

With liability auto insurance, you’re only covered for damage you cause to others with your car. Storm damage isn’t covered under this policy. To still get compensation for storm damage, you can try to seek reimbursement from the other party. For example, the damage might have been caused by a roof tile blown off by the wind. However, the owner of the house from which the roof tile was blown off by the storm can only be held liable if you can prove that the owner was negligent. This could be the case if little to no maintenance was performed on the roof, even though it was necessary.

Filing a claim for storm damage to your car usually does not affect your no-claims years. By driving without making a claim, you build up no-claims years. If you have built up no-claims years, you’ll receive a discount on your auto insurance premium. However, the auto insurance policy must be in your name. Filing a claim will cause you to lose no-claims years, which means you’ll have to pay slightly more for your auto insurance. To be sure, check the terms and conditions of your auto insurance policy. If storm damage does affect your no-claims years, it may be cheaper to pay for the storm damage yourself. However, this varies on a case-by-case basis.

Car damage caused by a storm?

Was the storm damage to your car caused while you were abroad? Your auto insurance coverage abroad is the same as it is in the Netherlands. The countries where you are covered are listed on your green card. If your car sustains storm damage while you are abroad, contact your insurer immediately.

Can I compare car insurance policies?

Premiums and terms can vary significantly from one car insurance policy to another. At www.alpina.nl, you can easily compare different car insurance policies and purchase a policy online right away once you’ve found one that better suits you and your car than your current policy.

Do you have a question? Please check our frequently asked questions. Here you’ll find the most common questions for each product. If your question isn’t listed, please contact us. We’re happy to help! You can reach us Monday through Friday from 8:30 a.m. to 5:30 p.m. at 088-6883700.