Storm Dennis could cause debris to hit your vehicle which could result in heavy and expensive car repair bills and devastating damage. Car insurance companies should pay for repairs during stormy weather but only if policyholders have a certain type of agreement. Motorists are therefore urged to check whether their policy would cover them for weather damage and identify whether any loopholes are in place.
Can I claim car insurance after storm damage?
Car insurance policies are taken out so motorists can claim for repair costs after a crash or road accident.
However, storm damage is not a traditional car incident so many motorists could be left confused about what they can claim for after a natural weather storm.
Generally speaking, most car insurance providers will provide cover for weather damage as long as a fully-comprehensive agreement has been taken out.
It means those on third-party fire and theft policies may find it harder to receive any payment for damage.
READ MORE: How to stay safe during this weekend’s monster storm warning
This is because fully-comprehensive agreements cover damage to your vehicle whereas third-party policies only pay for damage to other motorists.
However, the type of storm damage to a vehicle is also likely to determine whether or not you receive a payout for cover.
A piece of tile falling onto a car or a tree landing on a vehicle may be accepted as this will not be considered your fault.
Motorists could become unstuck if they drive through flood water despite knowing the dangers as this could be considered negligence.
Insurers are therefore less likely to pay out for repairs as most policies will have loopholes requiring motorists to show the car a reasonable amount of care.
Each car insurance policy is different and motorists are urged to check with their insurer before making a claim.
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Will storm damage increase my overall car insurance costs?
Even though damage to your car is likely not your fault, car insurance companies may still decide to increase your monthly car insurance premiums.
According to USwitch, storm damage technically falls under the at-fault claims category simply because insurers will not be able to recover any of the cost from elsewhere.
Monthly prices could also be increased if your vehicle is affected by minor damage. Failure to report minor scrapes can result in car insurance providers invalidating your cover at a later claim.
However, confirming your car has been involved in a minor car crash or picked up a small amount of damage is likely to see prices increase.
This is because minor damage can worsen over time putting you at higher risk of eventually claiming on a policy.