Car damaged from hail storm, car insurance advice please?

[hopeful_builder]

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]

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

 

[hopeful_builder]

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

 

[ins0mn1ac]

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

 

[Janesy B]

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

 

[hopeful_builder]

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]

"Act of god."

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

 

[Janesy B]

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]

"Act of god."

And if you don't believe in god?

 

[Royal Fleet]

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

 

[hopeful_builder]

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]

how can you not know what your policy covers?

 

[hopeful_builder]

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]

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

 

[Ricochet J]

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]

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]

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]

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

 

[Firestar_3x]

Hope you can claim OP.

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]

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