Hail Damaged Car Insurance

Hail Damaged Car Insurance

I'm thinking of purchasing a hail-damaged car...

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 keen.

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 for you.

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.

 

<br />Compare <br />Car Insurance <br /><br />Coming Soon!


Compare
Car Insurance

Coming Soon!

Need Help Choosing? Call 1300 884 384

8am to 8pm (EST), Mon to Fri.

Our team will be happy to help.

  
 

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.

Why Use Choosi?
  • One form gives you quotes
    from a range of insurance brands
  • Product reviews by
    real customers
  • Helpful and easy to
    understand information

Choosi Pty Ltd (ABN 15 147 630 886) offers insurance products from a range of Australian brands. Choosi does not provide information, or offer cover, for all products available in the market and there may be aspects to some products that we do not compare. Choosi is not an insurer and cover is issued by various underwriters. Your use of this website is undertaken in accordance with the full Terms and Conditions.

Choosi is owned by Hollard Financial Services Pty Ltd (ABN 53 128 692 884), the distributor of each pet insurance, life insurance, income protection insurance, funeral insurance and final expenses insurance policy Choosi is able to arrange directly for the following brands: ACE Insurance Limited, Australian Seniors Insurance Agency, Guardian Insurance, Prime Pet Insurance, Real Insurance, RSPCA Pet Insurance and Woolworths Insurance. Choosi is also a related company of The Hollard Insurance Company Pty Ltd (ABN 78 090 584 473 AFSL 241436), the issuer of each pet insurance product Choosi is able to arrange directly. Information on this website does not take into account your personal objectives, financial situation or needs. You should consider the relevant Product Disclosure Statement (PDS) for more information and to ensure the product suits your needs. The PDS for each of the pet insurance, life insurance, income protection insurance, funeral insurance and final expenses insurance products sold through Choosi and our advisor partner are available through this website. Health Insurance products are not required to have a PDS, but this website has a Fact Sheet for each Health Insurance product Choosi is able to arrange.

Choosi

Ground Floor, 58 Norwest Blvd, Bella Vista NSW 2153

Phone: 13 55 55