Will car insurance cover paint damage?

Paint on the car looking a little shabby? Discover if your car insurance policy will cover you for paint damage.

In some situations you might be able to claim paint damage under car insurance, in others you won’t be covered at all, and sometimes you might even have to pay more or less for paint fixes following a claim.

To understand when you might be covered and when you might not, you should understand:

  • Your insured events
  • Your policy exclusions
  • Special conditions

Want cover for paint damage? Compare comprehensive car insurance

Details Features
Comprehensive
Comprehensive
Save 24% on your policy if you've been claim free for 3 years.
  • Discounts: No
  • Pay monthly at an extra cost
  • Hire car after theft: Yes - up to $50 a day
  • Choice of repairer: No
  • Roadside assistance: No
Get Quote More info
Comprehensive
Comprehensive
Save up to 15% when you buy online.
  • Discounts: Buy online and save 15%
  • Pay monthly at an extra cost
  • Hire car after theft: Yes - up to $1,000 (limit 14 days)
  • Choice of repairer: Yes
  • Roadside assistance: Optional
Get Quote More info
Comprehensive
Comprehensive
Buy online and save up to 10%. Price-beat guarantee for drivers aged over 25.
  • Discounts: Buy online and save up to 10%
  • Pay monthly at no extra cost
  • Hire car after theft: Yes - up to $70 a day for up to 14 days
  • Choice of repairer: No
  • Roadside assistance: Optional
Get Quote More info
Comprehensive
Comprehensive
Complete a quote but don't end up switching? You'll still get 100 YouiDollars.
  • Discounts: Chance for 100 YouiDollars
  • Pay monthly at an extra cost
  • Hire car after theft: Yes - Reasonable costs for 14 days
  • Choice of repairer: Yes
  • Roadside assistance: Yes
Get Quote More info
Comprehensive
Comprehensive
Buy online and save up to 10% on your policy.
  • Discounts: Save up to 10% when you buy online
  • Pay monthly at no extra cost
  • Hire car after theft: Yes - up to $70 a day for 14 days
  • Choice of repairer: No
  • Roadside assistance: Optional
Get Quote More info
Price Saver (Comprehensive)
Price Saver (Comprehensive)
New customers can receive up to 10,000 Velocity Frequent Flyer points. Ends 28 Feb 2018.
  • Discounts: Buy online and save 15%
  • Pay monthly at an extra cost
  • Hire car after theft: Yes - up to $1,000 (limit 14 days)
  • Choice of repairer: Yes
  • Roadside assistance: Optional
Get Quote More info
Comprehensive
Comprehensive
Transforms your driving so it's 100% carbon neutral.
  • Discounts: No
  • Pay monthly at no extra cost
  • Hire car after theft: Yes - up to $70 a day for up to 14 days
  • Choice of repairer: No
  • Roadside assistance: No
Get Quote More info
Comprehensive
Comprehensive
Save up to 10% when you buy online.
  • Discounts: Buy online and save up to 10%
  • Pay monthly at no extra cost
  • Hire car after theft: Yes - up to $100 a day for up to 30 days
  • Choice of repairer: Yes
  • Roadside assistance: No
Get Quote More info
Comprehensive - Elegant Cover
Comprehensive - Elegant Cover
Save up to 20% when you purchase online.
  • Discounts: Save up to 20% when you purchase online
  • Pay monthly at an extra cost
  • Hire car after theft: Yes - up to $60 a day for up to 14 days
  • Choice of repairer: No
  • Roadside assistance: Optional
Get Quote More info

When will I be covered for paint damage?

Car insurance will only pay for damage that results from an insured event. In the case of paint damage, you’ll generally only be able to claim it with comprehensive car insurance, except in some very specific situations (such as paint damage caused by theft).

Claiming it under comprehensive car insurance will still be subject to your policy exclusions.

  • When will third party car insurance cover a paint job? This is primarily liability insurance. It will generally only cover a paint job with the “uninsured driver extension.” This is when an uninsured driver is responsible for an accident.
  • When will third party fire and theft insurance cover a paint job? This policy type will generally only pay for a paint job as above, or in the rare event of damage to the paintwork that’s caused by theft.
  • When will comprehensive car insurance cover a paint job? This cover type might pay for new paint following any insurable event that damaged the paintwork. This might be an accident, a storm, hail or others. However, it’s subject to the policy exclusions and special conditions.

What exclusions should I be aware of?

Car insurance generally won’t cover damage caused by deterioration, wear and tear or weathering.

As such, you typically won’t be able to claim paint damage when it’s the result of ongoing exposure to rain, sand, sun, salt, water or similar.

However, you might still be able to claim it if it was a single event, such as a sandstorm or hurricane.

Special conditions

Car insurance specifically won’t cover damage from wear and tear or deterioration, but some deterioration of paint is inevitable in older cars.

In some cases, the cost of new paint will actually be deducted from a car insurance claim, or you might have to pay for the cost of new paintwork on top of a claim.

For example, if your claim involves brand new panels to replace old and weathered ones, an insurer might ask you to pay the difference in value between “brand new” and “old and weathered” so as not to end up inadvertently paying for a new paint job when it’s not covered.

How much does a car paint job cost?

The cost of repainting a car can vary widely depending on how good a job it is, whether you’re getting any additional protecting coatings, what kind of paint it is and what kind of car you’re driving.

Generally, you might expect several thousand for a job well done, or up to $1,000 for a basic touch up.

  • A basic touch up: Mostly cosmetic. The “invisible” parts of the car, like under the hood, generally won’t be done and you’re looking at basic synthetic enamel paint. It’s mostly focused on matching the colour as close as possible, and isn’t expected to be a long term fix.
  • A proper paint job: This usually involves sanding the body, removing rust and repainting it for a consistent and clear finish.

What kind of paint job will car insurance cover?

It depends on the type of claim and the cause of damage. If the insurable event caused damage that necessitates a proper paint job, then that’s the kind of quality you can expect. If it’s just covering up a scratch, then it might be a more basic touch up.


Get the latest car insurance news

Andrew Munro

Andrew writes for finder.com, comparing products, writing guides and looking for new ways to help people make smart decisions. He's a fan of insurance, business news and cryptocurrency.

Was this content helpful to you? No  Yes

Related Posts

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.
Ask a question
Go to site