Is storm damage to a car covered by insurance?

Storm damage to your car is of course annoying enough. Should this happen, you want to be well insured for it. A WA car insurance unfortunately never offers a compensation for damage to your own car. Whether it is scratches on your car caused by the storm or any other kind of car damage.

Are you insured for limited cascoor all-risk insurance? Then the insurer will compensate your car for storm damage. The condition is that the storm had at least wind force 7. The insurer checks this on the basis of KNMI data.

In the event of storm 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 some things you should do in case of storm damage to your car. First of all, it is important that you fill in a claim form. It is also important that you take clear photos of the damage. You can also send any witness statements to the insurer. Also state clearly at what time the damage occurred. Do this as accurately as possible so that the insurer can check whether it was a storm of at least wind force 7.

With a WA car insurance you are only insured for damage you cause to others with your car. Storm damage is not covered. In order to get the storm damage compensated, you can try to recover the damage from the other party. It may be the case, for example, that the damage was caused by a roof tile that was blown away. The owner of the house where the roof tile was blown off by the storm can only be held liable if you can prove that the owner was negligent. This can be the case when little or no maintenance has been carried out on the roof, although this was necessary.

Claiming storm damage to your car usually does not affect your claim-free years. By driving damage free, you build up years of damage free. 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. When you make a claim you will lose your claim-free years and you will have to pay more for your car insurance. Please check the terms and conditions of your car insurance policy to be sure. When storm damage is at the expense of your claim-free years, it can be cheaper to pay the storm damage yourself. This differs per case.

Damage to car due to storm

Was the damage to your car caused by a storm abroad? Your car insurance has the same coverage abroad as in the Netherlands. The countries in which you are insured can be found on the green card. Please contact your insurer immediately in case of storm damage to your car abroad.

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Last updated: 06-09-2021

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