Whether you were parked or on the open road, you are able to claim damage caused by a storm, including wind, hail, flooding and more, provided you have a suitable insurance policy. This article will provide guidance on what steps to take to make a successful claim if your vehicle is damaged by a storm.
The easiest way to document the damage in detail is with photos.
First you need to know that your car insurance policy actually covers storm damage. Typically, you will only be covered if you have a comprehensive car insurance policy.
Check your policy to see exactly what you’re covered for. Look for any mention of storm damage. You’ll also want to check to see if you’ve qualified for any no-claims discount, and how much your premiums will go up after making a storm damage claim.
If you can’t find it, you’ll need to get in touch with your insurer to confirm whether or not you are covered.
| Response | Yorkshire and the Humber | West Midlands | Wales | South West | South East | Scotland | Northern Ireland | North West | North East | Greater London | East of England | East Midlands |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| No | 62.35% | 59.13% | 48.48% | 60.87% | 53.64% | 53.95% | 54.17% | 59.5% | 61.9% | 48.15% | 59.77% | 67.05% |
| Yes | 37.65% | 40.87% | 51.52% | 39.13% | 46.36% | 46.05% | 45.83% | 40.5% | 38.1% | 51.85% | 40.23% | 32.95% |
The type of claim you make will vary depending on the source of damage:
Note that these may vary depending on the insurer and the policy. Read your insurance policy carefully to see how it works for you. Many insurers will only mention broad categories like storm, weather or natural events, in which case you should claim all the damage under that.
Depending on your insurer, there are different ways of making a claim. You will need to send in a claims form and the documentation, either online or through the post. Online will usually get you a faster response.
If you have a comprehensive car insurance policy, it may also cover a replacement car while your vehicle is being repaired. If the storm has also damaged your home you will also need to check your home and contents insurance.
Picture: Shutterstock
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