Does a car insurance cover hail damage?
After a severe storm or hailstorm, your car may be severely damaged. Hail can even cause so much damage to your car that you can no longer drive it.
Due to climate change, weather conditions are becoming more severe. The cost of repairing hail damage can be quite expensive. That is why it is good to know if your car insurance covers hail damage to your car. Unfortunately, third-party car insurance never provides compensation for damage to your own car. Whether this is dents in your car caused by hail or some other form of (hail) damage.
When you have a limited casco car insurance, hail damage to your car will be compensated by the insurer. This is also the case when you have an all-risk car insurance. Many insurers do apply an excess for hail damage to your car.
In the event of hail damage to your car, it is wise to contact your agent or insurer immediately. They will tell you exactly what you need to do and what you are entitled to. There are a number of things you must do in the event of hail damage to your car. First of all, it is important that you fill in a claim form. In addition, it is important that you take clear photographs of the damage to your car as well as of the hailstones, if possible. 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.
Damage car hailstones
Do you have an all-risk or limited casco car insurance? Then hailstone damage to your car is insured. Usually you have to pay an own risk in case of hail damage. The amount of the excess differs per insurer and can be found in the policy conditions. With a WA car insurance you are only insured for damage you cause to others with your car. Hail damage is not covered. Claiming damage to your car caused by hailstones is at the expense of your claim-free years. By driving damage free, you build up years of damage free insurance. When you have built up claim-free years, you will get a discount on the premium of your car insurance.
The car insurance has to be in your name. By claiming hail damage, you will lose claim-free years, which means you will have to pay more for your car insurance. To be sure, check the terms and conditions of your car insurance policy. Your insurer or agent can calculate what is more advantageous for you: claiming the damage or paying for the damage yourself.
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Damage to car due to hail
Did the hail damage to your car happen abroad? Your car insurance has the same coverage abroad as in the Netherlands. You can see in which countries you are insured on the green card. In case of hail damage to your car abroad, please contact your insurer immediately. Do you have to deal with hail damage abroad? Then it is a good idea to ask the hotel/campsite owner to draw up a statement. This is because it is difficult for your insurer to check whether there was a hailstorm during your holiday abroad.
Compare car insurances
Premiums and terms can vary greatly from one car insurance policy to another. At www.alpina.nl , you can easily compare different car insurance policies and purchase them directly online when you have found a car insurance policy that suits you and your car better than your current policy.
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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