Hail Damaged Car Insurance
I'm thinking of purchasing a hail-damaged
Hail-damaged cars are usually vastly cheaper to purchase than
their undamaged counterparts, which make them all the more
tempting. But there is a reason for this. If the car you're
considering purchasing was comprehensively insured by the previous
owner, chances are they may have received a payout from their
insurer. The insurer considers the car a
write-off, because the cost of repairing the damage amounted
to more than 80 per cent of the sum insured.
Although it is possible to get registration for a damaged car
that was previously a write-off, insurance companies may not be as
It may be difficult to find Comprehensive car insurance
or even Third Party Fire and Theft for a hail-damaged car, and you
should factor this in when you consider buying one. Some insurance
companies won't offer these insurances at all, while others may,
but at a price.
It is likely that you will be offered Third Party Property for a
hail-damaged car. This will exempt you from legal liability for any
damage to other people's vehicles or property from an accident you
cause, but it will not cover your own. If you're satisfied with
this insurance, which is more cost-effective than Comprehensive car
insurance and Third Party Fire and Theft, then it is a great option
I already own a hail-damaged car...
If your car has already been damaged by hail and you didn't have
comprehensive car insurance, you won't be able to claim now for
repairs on any panel the hail has affected. If you're considering
insuring your car now, post-damage, it's very important that you
consider what car insurance options are available to you.
Many insurers won't provide Comprehensive car insurance, and
some will even refuse Third Party Fire and Theft for a hail-damaged
car, so you may only have the option of Third Party Property car
insurance. This means that if your car is damaged in an accident or
is stolen, you won't have any cover to repair or replace your car,
but the vehicle and property of anyone affected by an accident you
cause will be covered.
Finding Affordable Insurance
The best way to find affordable car insurance for your hail-damaged car
is to compare quotes and read the product disclosure statements so
you know exactly what you're covered for.
It is important that you answer questions about the damage
truthfully to your insurer, or your claim could be rejected when
you need car insurance the most.
If you have a hail-damaged car or are thinking of buying one,
compare some car insurance quotes and see what cover is available
for your car.
These articles are provided as reference material to allow more informed decision making, but are not intended as being a complete source of information on any topic. All readers should make their own independent analysis on the topic to make sure they have considered the aspects that are important to them.
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