Will your insurance cover you if your car is damage by mother nature?

Published on June 25th, 2020
  Written by 
Bill Tsouvalas
Bill Tsouvalas is the managing director and a key company spokesperson at Savvy. As a personal finance expert, he often shares his insights on a range of topics, being featured on leading news outlets including News Corp publications such as the Daily Telegraph and Herald Sun, Fairfax Media publications such as the Australian Financial Review, the Seven Network and more. Bill has over 15 years of experience working in the finance industry and founded Savvy in 2010 with a vision to provide affordable and accessible finance options to all Australians. He has built Savvy from a small asset finance brokerage into a financial comparison website which now attracts close to 2 million Aussies per year and was included in the BRW’s Fast 100 in 2015 as one of the fastest-growing companies in the country. He’s passionate about helping Australians make financially savvy decisions and reviews content across the brand to ensure its accuracy. You can follow Bill on LinkedIn.
Our authors

Fact checked

At Savvy, we are committed to providing accurate information. Our content undergoes a rigorous process of fact-checking before it is published. Learn more about our editorial policy.

At Savvy, our mission is to empower you to make informed financial choices. While we maintain stringent editorial standards, this article may include mentions of products offered by our partners. Here’s how we generate income.

In this article

With the recent hail storms striking car owners in Sydney with a $125 million in damages you may be wondering if there are car insurance policies that cover you for such damages. Thankfully, there are insurers that offer car insurance policies that will cover you for damages caused by mother nature. Here are five things to consider when looking for adequate cover.

Does the insurance policy cover you for natural disasters?

There is a wide range of insurance policies that are offered by insurers to ensure that you are adequately covered. However, not all insurance policies are created equal. When it comes to finding a policy that covers you for damages caused by storms or hail it is important to check the policy features that are disclosed in the product disclosure statement. Typically, you will be covered if you have comprehensive car insurance policy.

Know how to place your claim

Driving around with a dimpled car may not be an appealing look for any car owner. The last thing you want is having your insurance claim delayed because of not knowing how to place a claim. The claim process differs from insurer to insurer. Therefore, check with your insurer to know what is the proper procedure to ensure that your claim is processed as soon as possible. Having your documents in order can help quicken the process. Remember to check that you have filled in all the necessary areas on the form and that the information you have given is true.

Try not to drive your car until the claim has been processed

Having your claim processed smoothly also means not tampering with the damage your car has sustained to avoid having your claim rejected. Avoid driving your car until the claim has been processed. This also means not doing any repairs on your car before you have contacted your insurer first. Carrying out repairs that have not been approved by your insurer can result in those repairs not being covered. Remember to document any possible damaged to submit as proof to your insurer.

Have protective measures for your car

Mother nature can spring surprises on us now and again, but there are measures that you can have in place to protect your vehicle. Keeping yourself updated with the forecast can help you prepare. Other considerations can be:

  • Placing your car under cover and avoid parking under trees.
  • Drive at a reasonable pace. Speeding is not a good idea as this can cause an accident.
  • Remove any dead branches from trees that are near your house that can cause damage. Remember to get a permit to do this.

Always keep in mind to check your policy to see if you are covered for this, even if you have comprehensive car insurance.

Did you find this page helpful?

Thanks for your feedback!

This guide provides general information and does not consider your individual needs, finances or objectives. We do not make any recommendation or suggestion about which product is best for you based on your specific situation and we do not compare all companies in the market, or all products offered by all companies. It’s always important to consider whether professional financial, legal or taxation advice is appropriate for you before choosing or purchasing a financial product.

The content on our website is produced by experts in the field of finance and reviewed as part of our editorial guidelines. We endeavour to keep all information across our site updated with accurate information.

In this article

Share this article

Share on facebook
Share on twitter
Share on linkedin
Share on email
Share on pinterest

Looking for a car insurance?

Savvy is partnered with Compare the Market to help you compare a range of car insurance policies from a panel of trusted providers.

* Terms and conditions and lending criteria apply.

Smart money saving tips

Subscribe to our newsletter.

By subscribing you agree to our privacy policy

Related articles

We'd love to chat, how can we help?

By clicking "Submit", you agree to be contacted by a Savvy Agency Owner and to receive communications from Savvy which you can unsubscribe from at any time. Read our Privacy Policy.