Car damaged from hail storm, car insurance advice please?

[Firestar_3x]

You could always take the payout and buy the car back, you really need to calculate your insurance increase with a claim against your name.

 

[NealR]

I know my Churchill multi-car insurance does not allow me to take my car on track days, and specially listed(as on a technicallity it's a toll road) the Nürburgring track

As for hail / adverse weather conditions. Not a clue how/if I'm covered on fully comp

 

[phil675]

Near Melton here, tons of cars with smashed windows, my windows are fine but there are lots of dents

Affected tons of people.

 

[hopeful_builder]

Hope you can claim OP.

Thanks mate, me too.

I will be rather annoyed if I can't as I'm not one to claim unnecessarily and this genuinely is a time I need to.

 

[hopeful_builder]

Near Melton here, tons of cars with smashed windows, my windows are fine but there are lots of dents

Affected tons of people.

Hope you get it sorted. Keep us updated if you can claim etc?

 

["andy"]

probably write it off if the roof/shell/bonnet/boot is all dented

hopefully they offer you it back at scrap value

 

[hopeful_builder]

probably write it off if the roof/shell/bonnet/boot is all dented

hopefully they offer you it back at scrap value

would definitely buy it back in that case! Fingers crossed.

here a pic "borrowed" from a friend on Facebook

 

[Liampope]

I know my Churchill multi-car insurance does not allow me to take my car on track days, and specially listed(as on a technicallity it's a toll road) the Nürburgring track

As for hail / adverse weather conditions. Not a clue how/if I'm covered on fully comp

Pretty much all standard policies will specifically exclude the Ring these days.

 

[ubersonic]

Won't this count as a random act of god/nature? I thought most insurance companies don't pay out for them or is that only buildings insurance?

 

[dfarrall]

Ouch, glad Im back from Hinckley

Good luck op.

 

[SGWills]

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

if the claim is viable, if the damage is less than his excess they wont deal with it, hence the most probably go as fault

 

[shoes]

Flick through these photos, there is another of these ridiculous hail stones:

http://www.bbc.co.uk/news/uk-england-18627761

 

[phil675]

Just had a proper look at the damage and the bonnet is ruined, little dents all over it, same with the roof, front wing has a massive dent in it, same with the rear. My ZS is only worth about a grand on a good day, if I were to claim I'm sure it would get written off and then I would lose no claims I guess. I guess I'll have to live with it..

It looks like someone has pelted it with a machine gun. This guy I work with bought a BMW 320d estate a few weeks ago and its ruined now, at least my car is slightly disposable :/

 

[Peerzy]

Lets see some photos!

 

[phil675]

This was on my work grounds, golf balls everywhere, the wind was blowing everything sideways including this tree.

Some pics of my car once I got it home:

 

[Yaayuh!]

Holy hell!

Bet you wish you had your car in the garage now

 

[ci_newman]

Wow that sucks Since it happened at work, can you claim from them for not providing underground parking?

 

[Dr House]

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

I suggest you take him to court Billy Connolly style.

http://www.imdb.com/title/tt0268437/

 

[phil675]

Holy hell!

Bet you wish you had your car in the garage now

The irritating thing is, if I wasn't at work today it would be fine

 

[Pug]

snap!

Hinckley-based, new 320 Sport smashed to buggery. roof and bonnet took the brunt, but i think every panel is gone tbh.

There's the slim chance it might be written off apparently, on hold with the insurer now.