Hail storms can happen all year round, so it’s important to understand if your car insurance covers any damage caused by these storms.
While you might assume that all car insurance policies cover hail damage, that’s not the case. Products like Third Party Property Damage are designed to cover other vehicles or third party property if you accidentally cause damage to them with your car. To help you understand the different cover options that may be suitable for how you use your car, we’ve broken down each Everyday Car Insurance product to show which ones cover hail damage:
| Comprehensive | Drive Less Pay Less | Third Party Fire & Theft | Third Party Property Damage | |
|---|---|---|---|---|
| Natural events (including hail damage) |  |
|
 |
|
Drive Less Pay Less is comprehensive cover at a discounted premium, that allows you to pay for the kilometres you plan to drive. So, if you're an eligible driver and you don't drive all the time, this could be the cover for you.
At the beginning of your Drive Less Pay Less policy you will be required to nominate a 'start odometer reading' and how many kilometres you plan to drive during the policy period, which will determine your 'end odometer reading'. You can update your 'end odometer reading' anytime. Find out more about increasing your 'end odometer reading'.
It's important to be aware that your premium may change if you update the 'end odometer reading' - we'll also adjust your premium accordingly. Please note if you make a claim at a time when you’re outside the 'end odometer reading' or under the 'start odometer reading' shown on your Certificate of Insurance, you will need to pay an additional Outside Odometer Reading excess of $1,000.
With Everyday Comprehensive Car Insurance you're covered for unlimited kilometres.
We're here for you if your car gets damaged by hail during a storm. Once the storm has passed and it's safe to inspect your car, check for any hail damage. If your car has been impacted by hail, call our 24/7 Claims Team on 1300 10 1234.
Once you've submitted your claim, your car will need to be assessed by an authorised repairer. In some cases where hail damage has been widespread, we'll have assessment centres in various neighbourhoods where you can make an appointment to have your car assessed. Find out more about the claims process.
'If you're an Everyday Car, Home or Landlords Insurance customer and have your mobile number listed on your policy, you can opt-in to Weather Alerts.
When you're opted-in to these alerts, we'll send you an SMS if there is a greater than 50% chance of hail in your area or if the Bureau of Meteorology have issued a severe weather warning.
You can update your mobile number in My Insurance Portal.
Find the cover that's right for you
Benefits are subject to the terms and conditions including the limits and exclusions of the insurance policy. Any advice provided is general only and may not be right for you. Before you purchase this product you should carefully read the Car Insurance Product Disclosure Statement and consider the Target Market Determination to decide if it is right for you.
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