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Car Insurance

28 May 2020


Does your car insurance cover hail damage?

Hail storms can happen all year round, so it’s important to understand if your car insurance covers any damage caused by these storms. The Insurance Council of Australia reported that the January 2020 hailstorms in ACT, Victoria and NSW caused nearly $700 million in claims^, which shows the scale of the damage a large hail storm can cause to property, including vehicles. 

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 Woolworths 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)


What's the difference between Comprehensive and Drive Less Pay Less car insurance?

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' here.

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 Woolworths Comprehensive Car Insurance you're covered for unlimited kilometres.


What happens if you have Woolworths Comprehensive Car Insurance and your car gets hail damage?

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, you can submit a claim to Woolworths Car Insurance 24/7 online or by calling our 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. You can find out more about the claims process here.

 


Have you signed up for Woolworths Weather Alerts?

If you're a Woolworths 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.



Why pick Woolworths Car Insurance?
 

price beat

Price Beat#

If you're 25 or over, we’ll beat any current comparable Comprehensive renewal notice
 

emergency claims team

24/7 emergency claims

We’re here when you need us most, that’s why our Claims Team is available around the clock

value insurance

Great Woolworths value

Save up to 15% when you buy your Woolworths Car Insurance online

roadside assistance

Roadside Assistance

Add Roadside Assistance to your policy from just $7.35 a month.* Local mechanics are available 365 days a year, Australia wide

Find the cover that's right for you

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Source:
^https://www.insurancecouncil.com.au/media_release/plain/562

#Available for a limited time only. Based on comparable Comprehensive cover. Subject to minimum premiums. Savings apply for first year only. Terms, conditions and eligibility criteria apply. Any other available discounts applied before price beat. Please read the full terms and conditions.

Up to 15% discount consists of: 5% promotional discount for a limited time only & 5% off for online applications, both these discounts apply for the first year only and up to 5% off to exclude drivers under 25. Minimum premiums may reduce savings discount.

*Roadside Assistance costs $88.24 per annum, as at 1 September 2019.

This is general advice only and does not take into account your objectives, financial situation or needs. Before acting on advice, consider whether it is appropriate for you. Before you purchase this product you should carefully read the Financial Services Guide and Product Disclosure Statement to decide if it is right for you. Benefits are subject to the terms and conditions including the limits and exclusions of the insurance policy.