Does car insurance cover hail damage in South Africa?
Does car insurance cover hail damage?
Yes - comprehensive car insurance usually covers hail and storm damage, because it includes weather and natural-disaster events. Third-party, fire and theft and third-party only do not cover damage to your own car, so they won't pay for hail. You'll pay your excess on a hail claim, and a claim may affect your no-claim bonus.
Key takeaways
- Comprehensive cover usually includes hail and storm damage.
- Third-party options do not cover hail damage to your own car.
- Highveld summer storms make hail a real risk in parts of South Africa.
- You pay your excess on a hail claim.
- Covered parking is the best way to avoid hail damage.
Which cover pays for hail?
Comprehensive car insurance covers weather events including hail, storms and flooding. Third-party, fire and theft and third-party only cover damage you cause to others, not weather damage to your own car - so they won't pay for hail.
How a hail claim works
Report the damage to your insurer, who will assess it and arrange repair, minus your excess. Severe hail can write a car off if repair costs exceed its value. A claim may affect your no-claim bonus.
How to protect your car from hail
- Park under cover - a garage, carport or shade netting
- Move the car under shelter when storms are forecast
- Keep comprehensive cover if hail is a risk in your area
Frequently asked questions
Is hail damage covered by comprehensive insurance?
Will a hail claim increase my premium?
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