Car damaged from hail storm, car insurance advice please?

hopeful_builder · 28 Jun 2012 at 13:47

Just had a massive hail storm here in Hinckley, lots of cars damaged.

I'm a bit concerned as to whether the car insurance will cover it or not? Hail the size of golf balls came down and dented all over the car. Bonnet, roof etc.

rhysduck · 28 Jun 2012 at 13:49

Surely they wont cover against freak weather?? Fair enough if the town is flooded and cars are dragged to the ocean though....

hopeful_builder · 28 Jun 2012 at 13:51

car insurance is there for when your car is damaged surely?

ins0mn1ac · 28 Jun 2012 at 13:52

Hailstones the size of golf balls? Any pictures? of the car and hailstones!

Janesy B · 28 Jun 2012 at 13:53

Hopefully they won't try and wiggle out of a claim by saying it's an "Act of god."

hopeful_builder · 28 Jun 2012 at 13:54

ins0mn1ac said:
Hailstones the size of golf balls? Any pictures? of the car and hailstones!

got one in the freezer for when I get back from work - will take a photo for you all tonight, and the damage too.

hopeful_builder · 28 Jun 2012 at 13:54

Janesy B said:
"Act of god."

so does that mean I've got to pay for the damage out of my own pocket then? :confused:

Janesy B · 28 Jun 2012 at 13:55

hopeful_builder said:
so does that mean I've got to pay for the damage out of my own pocket then?

Sorry I posted before I finished my post.

Rizo-UK · 28 Jun 2012 at 13:55

Janesy B said:
"Act of god."

And if you don't believe in god?

Royal Fleet · 28 Jun 2012 at 13:56

Fully comp should do. Some policies are written on an 'Insured perils' basis, but most decent Fully comp is 'all risks'

hopeful_builder · 28 Jun 2012 at 13:57

Janesy B said:
Sorry I posted before I finished my post.

lol that ok. I hope they don't. Will be incredibly annoyed and poor for the next 2 years

poker_999 · 28 Jun 2012 at 13:57

how can you not know what your policy covers?

hopeful_builder · 28 Jun 2012 at 13:58

Royal Fleet said:
Fully comp should do. Some policies are written on an 'Insured perils' basis, but most decent Fully comp is 'all risks'

phew! I'm full comp on both cars on a mutli car policy Admiral, I won't be able to phone them until tomorrow afternoon though (hence why I'm asking on here)

hopeful_builder · 28 Jun 2012 at 14:00

poker_999 said:
how can you not know what your policy covers?

have you ever seen the size of the policy booklets? written in that 3pt font. I'm such a fool, should have checked to see if massive hail storms were covered :rolleyes:

Ricochet J · 28 Jun 2012 at 14:02

poker_999 said:
how can you not know what your policy covers?

*** No need for the personal insults *** I doubt you even know exactly what your policy covers.

hopeful_builder · 28 Jun 2012 at 14:03

Ricochet J said:
I doubt you even know exactly what your policy covers.

thanks for agreeing! I'm like everyone, check the excess, price, a few minor details - bam! job done

SGWills · 28 Jun 2012 at 14:11

you would be able to claim in my opinion however it will most probably go as fault and you will pay your excess and lose some NCB.

Not saying you caused the claim but who would the insurance company follow up with to claim back the cost of repairs , hence it showing as fault and NCB being reduced etc

Dogbreath · 28 Jun 2012 at 14:23

SGWills said:
you would be able to claim in my opinion however it will most probably go as fault and you will pay your excess and lose some NCB.

Not saying you caused the claim but who would the insurance company follow up with to claim back the cost of repairs , hence it showing as fault and NCB being reduced etc

"most probably go as fault" :confused:

Obviously the the OP will have to claim against his own policy, who else's could he claim from?

Firestar_3x · 28 Jun 2012 at 14:31

Hope you can claim OP.

Ricochet J said:
I doubt you even know exactly what your policy covers.

He can't help it, seems to be his chosen on-line personality.

hopeful_builder · 28 Jun 2012 at 14:31

I have a guaranteed protected NCB thing on my policy for both cars. I just hope this can stay within that, rather than effect the 7 years I have. TBH they might very well scrap my Lexus if the damage is as bad I suspect

Its only worth £2k and I can see some bodywork costing more than that