Does car insurance cover storm damage?

Stormy weather isn't just bad news for your weekend plans, it can also be bad news for your car. These 'acts of god' can mean that damage to your car is unavoidable. But is your car covered ? Read on to find out.

Does my policy cover storm damage?

It depends on your policy type and insurer. Many comprehensive car insurance policies cover storm damage, but it's always worth checking your policy documents to be sure.

If storm damage is covered it will usually include things like:

• Falling trees and branches – If a tree falls on your car during a storm, your insurer may cover the cost of repairs to your car.
• Hail damage – Those icy golf balls can do serious harm to your car’s bodywork, including denting the roof, bonnet, and boot. Severe hailstorms can even crack windscreens and damage paintwork.
• Flying debris – Bits of roof tiles, fences, or other debris blown into your car can cause damage from small scratches to smashed windows.
• Snow and ice damage – If heavy snow collapses on your car or ice causes damage, your policy may help cover the costs to get the damage fixed.
• What about flooding? That’s a whole other issue. Many comprehensive policies cover flood damage, but there may be exclusions. For example, if you drove through a flooded area knowingly.

When won’t my car be covered from storm damage?

You may not be covered from storm damage if:

• You only have third-party or third-party, fire and theft cover – These policies don’t tend include storm damage.
• You left windows or the sunroof open – If water damage happens because your car wasn’t properly closed, your claim might be rejected.
• You drove through a storm knowingly – If you took a risk, like driving into a flooded road, you might not be covered.

Will I lose my no claims bonus with a storm damage claim?

Yes, unless you have protected no claims discount. Making a claim could wipe out your discount, meaning your future premiums could be higher.

If the cost of fixing the damage is low, it might be worth covering the repairs yourself to save your no claims discount. Plus you'll need to pay your compulsory excess, and maybe even your voluntary excess. You'll need to weigh up what's more cost effective for you.

Will my car insurance price go up after a claim?

It’s possible your car insurance could increase. If you make a claim your insurer might see you as a higher risk, or you could lose your no claim discount, which could push up your car insurance renewal price. This isn’t always the case but it’s something to consider before making a claim.

How do I make a claim if my car is damaged in a storm?

If your car suffers some damage after a storm, here’s what you should do:

• Hold off on moving any debris – It might be tempting to clear off any debris, but wait until you’ve spoken to your insurer. They may need to assess the damage first.
• Take plenty of photos and videos – Take photos of the damage from all angles, as well as any fallen trees, broken fences, or debris that caused it. This evidence can help give the insurers the full picture.
• Contact your insurer – Get in touch with your insurance provider ASAP! The sooner you get in touch, the sooner they can start processing your claim.
• Ask about the repair process – Some insurers may send an assessor to check the damage, while others might direct you to an approved repairer. You'll need to query this - this information may also be in your policy documents.
• Keep hold of any receipts – If you need emergency repairs, like fixing a broken window, keep the receipts as proof and so that you can be reimbursed.

Take a look at our guide on how to make a claim on your car insurance for more help.

How can I prevent storm damage to my car?

You can’t control the weather, but you can take steps to minimise damage to your car:

• Park in a garage or under cover – Think about where you park your car at night. If possible, keep your car sheltered.
• Avoid parking under trees – Even small branches could cause unwanted and expensive damage.
• Secure loose objects in your garden – Things like bins, plant pots and garden furniture can turn into hazards in strong winds.
• Check your weather app – If storms are predicted, move your car to a safer location if possible.
• Consider buying comprehensive cover – This type of policy could payout if your car is struck by storm damage, compared to third-party cover. It’s worth weighing up your options for peace of mind.