What to do if your car is damaged by hail?

• The first thing you probably want to know after a hailstorm is whether your car was damaged. If the answer is unfortunately yes, the next thing you may be wondering is whether your car insurance will cover the damage.
  Our Comprehensive Car insurance cover is our highest level of car cover available, and cover hail damage, along with many other weather-related damages as long as your policy is active (i.e. paid and up to date) at the time of the incident.
• Conversely, our car insurance only covers the cost of damage you cause to other vehicles and property while using your car. As such, this type of policy won’t cover hail damage to your car.

Only the standard excess applies for hail damage claims. We won't charge any additional age or unlisted driver excesses. The standard excess varies based on your state – you can see the amount you'll need to pay when you make a claim, or if you check your policy documents.

It's easy – simply log on the self-service and follow the prompts. We'll guide you through the process.

Note: Third Party Property Insurance does not cover damage to your car. You can only make a claim if you hold Comprehensive Car Insurance with Bingle.

• You'll be able to book in to get your car assessed and, if possible, repaired. An assessor will check your car and review the damage.
• Assessors consider a variety of factors, like how much it would cost to repair the damage and how extensive the damage is, and then work out if it's worth repairing your vehicle. Hail damage can be expensive to repair, especially if every panel (and potentially windscreen and windows) is damaged. Based on what the assessor says, it's possible we may deem your car to be a total loss (a write off).
• Either way, we will let you know the outcome as soon as possible. Then, we'll either arrange for your car to be repaired or pay you a total loss payment.

If your car is deemed by us to be a write off (also known as a total loss) this means we will settle your claim by paying you a total loss payment. This will be based on your car's market value¹.

If you have New for Old as an optional extra (available on Comprehensive Car Insurance policies if your car is 3 years old or less), we will replace your car with a brand new car of the same make and model (if available).