Does hail damage affect my claim-free years?
A hailstorm can cause significant damage to your car. Even so much damage that you can no longer drive your car. In that case, you need to have your car repaired. Do you have a WA + limited casco or an all-risk car insurance? Then you are also insured for car damage caused by hail. Claiming damage to your car due to hailstones does not affect your claim-free years. Your claim-free years remain unchanged in case of hail damage.
Own risk
With only third-party coverage on your car insurance, you are unfortunately not insured for hail damage to your own car. You are then only insured for damage you cause to another person. If you have a WA + limited casco or all-risk car insurance, hail damage will be compensated by the insurer. Many insurers apply a deductible for hail damage to your car. How high the excess is, varies per insurer and can be found in the policy conditions of your insurance. With some insurers you pay no or a lower deductible if you have the hail damage repaired at an affiliated repair company. Your green card will show which repairers are affiliated with your insurer.
What to do in case of hail damage?
Do you have hail damage to your car? If so, you need to do two things:
- Contact your intermediary or insurer directly
The intermediary or your insurer can tell you whether you can have your car repaired and what you need to take care of. They can also tell you more about filling out the claim form.
- Take pictures of the damage
In addition, it is important to take clear pictures of the damage to your car. If possible, you can also photograph the hailstones that fell down. This will allow the insurer to see how big the hailstones were. Also include what time the car damage occurred. Your insurer or agent will review with you whether the hail damage to your car is insured and how the damage can be repaired.
Claim-free years transferable since 1-1-2022
Since Jan. 1, 2022, claim-free years are transferable in some situations. Upon death, for example, they can be transferred to the surviving partner. Also for lease drivers and drivers who have lived abroad for years, it is now possible to transfer claim-free years. This way they do not lose their accumulated claim-free years. You can read more about this new regulation in our blog post.
Get car insurance through Alpina
To get compensation for hail damage, it is important to properly insure your car. On Alpina.nl you can easily take out car insurance. The premiums and conditions can vary greatly from one car insurance policy to another. Therefore, always compare several car insurance policies with each other before taking out a policy. As soon as you have found the best car insurance for you and your car, you can take out a policy online.
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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