Is storm damage to a car covered by insurance?
Storm damage to your car is obviously annoying enough. Should this happen, you want to be properly insured for it. Unfortunately, third party car insurance never provides compensation for damage to your own car. Whether this is scratches on your car from the storm or some other form of car damage.
Do you have limited hullor all-risk insurance? Then the insurer will cover storm damage to your car. A condition is that the storm was at least wind force 7. This is checked by the insurer based on KNMI data.
It is wise to contact your intermediary or insurance company immediately in the event of storm damage to your car. They will tell you exactly what you need to do and what you are entitled to. There are a number of things you should at least do yourself in the event of storm damage to your car. First, it is important that you fill out a claim form. In addition, it is important that you take clear pictures of the damage. You can send any witness statements to the insurance company. Also clearly state what time the damage occurred. Do this as accurately as possible, so the insurer can verify that it was a storm of at least wind force 7.
With third-party car insurance, you are only insured for damage you cause to others with your car. Storm damage is not covered. To get the storm damage compensated anyway, you can try to recover it from the other party. For example, the damage may have been caused by a roof tile blowing away. However, the owner of the house where the roof tile was blown off due to the storm can only be held liable if you can prove that the owner was negligent. This may be the case when little to no maintenance was done on the roof, even though it was necessary.
Claiming storm damage to your car usually does not reduce your claim-free years. By driving damage-free, you build up claim-free years. If you have built up claim-free years, you get a discount on the premium of your car insurance. The car insurance must be in your name. By claiming a damage, you lose claim-free years, which means you have to pay a little more for your car insurance. Check the policy conditions of your car insurance to be sure. When storm damage does affect your claim-free years, it may be cheaper to pay for the storm damage yourself. However, this varies from case to case.
Car damage from a storm?
Was the damage to your car caused by storms abroad? The same coverage applies to your car insurance abroad as in the Netherlands. In which countries you are insured is shown on the green card. Also, in case of storm damage to your car abroad, contact your insurer immediately.
Can I compare car insurance policies?
Premiums and terms can vary greatly from one car insurance policy to another. Atalpina.nl , you can easily compare different car insurance policies and purchase them directly online when you have found one that suits you and your car better than your current insurance.
Do you have a question? Then take a look at our frequently asked questions. Here are the most frequently asked questions per product. Is your question not listed? Please contact us. We will gladly help you! We are available from Monday to Friday from 08:00 to 18:00 on telephone number 088-6883700.
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