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Does hail damage affect my claim-free years?

A hailstorm can cause significant damage to your car. Even so much damage that you can no longer drive your car. In that case, you need to have your car repaired. Do you have a WA + limited casco or an all-risk car insurance? Then you are also insured for car damage caused by hail. Claiming damage to your car due to hailstones does not affect your claim-free years. Your claim-free years remain unchanged in case of hail damage.

Own risk

With only a WA coverage on your car insurance, you are unfortunately not insured for hail damage to your own car. You are only insured for damage you cause to others. When you have a WA + limited casco or an all-risk car insurance, hail damage will be compensated by the insurer. Many insurers do apply an excess for hail damage to your car. The amount of the excess varies per insurer and can be found in the policy conditions of your insurance. With some insurers you pay no or a lower excess if you have the hailstone damage repaired by an affiliated repair company. On your green card you can see which repair companies are affiliated with your insurer.

hail damage damage free years

What to do in case of hail damage?

Have you suffered hail damage to your car? Then you need to do two things:

  1. Contact your intermediary or insurer directly

The agent or your insurer can tell you whether you can have your car repaired and what you need to arrange. They can also tell you how to fill in the claim form.

  1. Take photos of the damage

It is also important to take clear photographs of the damage to your car. If possible, you can also photograph the fallen hailstones. This way, the insurer can see how big the hailstones were. Also mention the time when the car damage occurred. Your insurer or agent will check with you whether the hail damage to your car is insured and how the damage can be repaired.

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Claim-free years transferable since 1-1-2022

Since 1 January 2022, claim-free years are transferable in certain situations. In case of death for example, they can be transferred to the surviving partner. Also for lease drivers and drivers who have lived abroad for years, it is now possible to transfer the claim-free years. This way, they do not lose their accumulated claim-free years. In our blogpost you can read more about this new regulation.

Get car insurance through Alpina

To get compensation for hail damage, it is important to properly insure your car. You can easily get car insurance at Alpina.nl . The premiums and conditions can vary greatly from one car insurance policy to another. Therefore, always compare several car insurance policies with each other before taking out one. As soon as you have found the best car insurance for you and your car, you can take out a policy online.

Do you have a question? Then take a look at our frequently asked questions. Here you will find the most frequently asked questions per product. Is your question not here? Then please contact us. We are happy to help! We are available from Monday to Friday from 08:00 to 18:00 on telephone number 088-6883700.

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  • To calculate premiums, we need the zip code of the primary driver. For private use, the youngest driver must reside at the same address as the applicant. In case of business use, you can enter the postal code of the company here.

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