Finder makes money from featured partners, but editorial opinions are our own.

Storm and hail damage insurance

We looked at 32 comprehensive car insurance policies – they all covered storm damage. Third party insurance typically doesn’t include cover for storm or hail damage.

9 car insurance policies that cover hail and storm damage

Car insurance providerHow do they cover hail and storm damage?Do they cover pre-existing hail damage?
Bingle logo

Bingle Comprehensive

Loss or damage caused by nature (e.g. storm, hail, or fire)Will only cover hail damage for Third Party Property Damage policies (e.g. storm, hail, or fire)Get quote
AAMI logo

AAMI Comprehensive

Accidental loss or damage including hail, storm and floodDoesn't ask about pre-existing damage in quote processMore info
Coles car insurance

Coles Comprehensive

Accidental and malicious damage, storm, fire, flood & hailDoesn't ask about pre-existing damage in quote processMore info
Picture not described

NRMA Comprehensive

Fire, storm & flood. Cover for your car if it's damaged by severe weatherDoesn't ask about pre-existing damage in quote processMore info
Budget Direct Logo

Budget Direct Comprehensive

Accidental damage caused by, but not limited to hailBudget Direct may cover your car with existing hail damage, depending on the extent of it.Get quote
Youi logo

Youi Comprehensive

Accidental damage to the car caused by a storm or flood. Storm means a violent atmospheric event which includes hailWill only cover hail damage for Third Party Property Damage policiesGet quote
real insurance

Real Comprehensive

Cover for accidental damage or loss to your car from natural eventsNeed to get a quote by callingMore info
Picture not described

Virgin Comprehensive

Accidental damage includes, but is not limited to, damage caused by hailVirgin may cover your car with existing hail damage, depending on the extent of it.More info
Picture not described

Everyday Comprehensive

Damage from natural weather eventsNeed to get a quote by callingMore info

Is hail damage covered by car insurance?

Third party
  • Third party car insurance

If you have a lower tier of car insurance cover, like third party or third party fire and theft, – consider upgrading to a comprehensive policy. Otherwise, it’s unlikely you'll be covered for any damage that the storm or hail caused.

Comprehensive car insurance
  • Comprehensive car insurance

Most comprehensive car insurance policies will allow you to claim for hail damage. However, there's usually a waiting period for any damage that is caused by storms, bushfires, floods, or cyclones. It can vary between insurers, but usually you'll have to have bought your policy a couple of days before the storm hit.

Finder survey: What feature of comprehensive car insurance do Australians value the most?

Cover for damage to my own car83.57%
Choice of agreed or market value39.19%
New car replacement26.22%
Hail and weather damage23.63%
Choice of repairer22.05%
No excess windscreen cover19.74%
Source: Finder survey by Pure Profile of 1006 Australians, December 2023

How do I make a car insurance claim for hail damage?

Lodging an insurance claim doesn't have to be anxiety-inducing. Follow these five simple steps for a stress-free experience.

Number 1

Contact your insurer

Do this as soon as possible. If your area has been hit badly by a hail storm, it's likely there'll be thousands of other people claiming too. The sooner you get in touch, the sooner they can get started on your claim.

Number 2

Gather evidence

Take photos of any damage to your car, as well as any damage in the surrounding area. Make notes about what happened, including the time and date.

Number 3

Cooperate with your insurer

Provide the detailed evidence you gathered after your car was damaged. Agree to meet with any experts or claims assessors your insurance company assigns. Don't make any repairs until you have your insurer's permission.

Number 4

Submit your claim

Depending on the insurer your claim options may be to submit online, via an app, mail or in-person. Your insurer will explain their preferred method.

Number 5

Wait for a response

Your insurer has 10 business days to respond with their decision or to let you know if they need more time. If they do need more time, they have to let you know what else they need from you, and to give you updates on how your claim is progressing.

What should I expect in the claim process?

Although your car insurance company has 10 business days to respond to your claim, don't be surprised if it takes a little longer. This is because, when a major hail storm hits, it's usually followed by a huge influx in claims – which leads to a backlog for insurers.

Never carry out repairs to the car without your insurer's authorisation. In some cases, to allow the car to be driven immediately after an accident, your insurer may agree to essential repairs.

If your claim is accepted, your car insurer may:

  • Manage the entire process on your behalf
  • Appoint a repairer of their choice
  • Allow you to nominate your preferred repairer (if you added the 'Choice of Repairer' option to your policy).

You can also contact the Insurance Council of Australia if you have any general inquiries about the claims process. It's likely the organisation will activate its risk and disaster response helpline - 1800 734 621 - to answer any questions people might have.

If you're unhappy with how your insurer is treating you, get in touch with the Australian Financial Complaints Authority (AFCA) on 1800 931 678.

car keys
Did you know?
Comprehensive car insurance can give you a hire car if your car is too damaged to drive. Insurance companies will sometimes authorise this before deciding on your claim, so ask about this option when you first contact the helpline.

What type of storm damage does car insurance cover you for?

Storm damage can include the following:

  • Thunderstorms
  • Lightning
  • Hail or snow
  • Rainwater e.g. water overflowing from stormwater drains
  • Runoff e.g. overflow from swimming pools and tanks as a result of excess rainwater
  • Storm surge e.g. strong winds or sea movements resulting in seawater onshore (storm surges are sometimes excluded, except when they occur at the same time as a storm so read your PDS)

Rain showers alone are usually not enough to be classed as a storm. It needs to be accompanied by an 'atmospheric event' like a thunderstorm or strong wind.

Policy wording on storms can differ from one insurer to another. So, it's a good idea to open policy and hit 'control + f' or 'command + f' and then 'storm' or 'hail' to see exactly what an insurer will and won't provide coverage for. A general point to keep in mind: you'll need to have taken reasonable care during a storm or hail storm. For example, if you drive through deep water after heavy rain, it'll likely to be seen as reckless behaviour and an insurer may refuse your claim.

Does car insurance cover pre-existing hail damage?

In most circumstances, your car insurance will not cover pre-existing hail damage. This is because insurance is designed to cover unforseen events – not ones you were already aware of when you took out cover.

Some insurance companies, such as NRMA, provide market value insurance so long as the car is in a registrable condition. However, they won't if it was previously considered a write off.

Similarly, providers such as Bingle will not insure your car under a cmprehensive insurance policy if it has any existing damage. They will only offer third party property damage insurance cover as long as your car is still roadworthy and registered.

If this is the case, keep in mind that third party policies don't cover hail damage; they only cover other cars and property damaged as a result of your accident.

Other providers may offer cover at an increased rate.

Protect future you with comprehensive car insurance

1 - 7 of 24
Name Product Roadside assistance Accidental damage Storm Choice of repairer Agreed or Market Value
Youi Comprehensive
Agreed or Market
Finder's summary: The 2023 winner of our Best Features Car Insurance award. Plus, it's one of the only insurers to automatically include roadside assistance.

Who it might be good for: Those who want good customer service with lots of inclusions.
Budget Direct Comprehensive
Agreed or Market
Finder's summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: Anyone who wants a good value policy.
Australia Post Comprehensive
Agreed or Market
Finder's summary: Covers a little more than other insurers. You don’t need to pay an excess for windscreen repairs and cover applies to anyone who uses your car.

⭐ Current offer: Get $75 off your first year's comprehensive car insurance premium when you buy online. T&Cs apply.

Who it might be good for: Multiple people using one car.
Bingle Comprehensive
Finder's summary: Our data shows it’s the cheapest comprehensive policy. It just covers the basics such as damage to your car, theft and storms – it doesn’t go in for add-ons and extras.

Who it might be good for: Those wanting a low-cost, no-frills policy.
Qantas Comprehensive
Agreed or Market
Finder's summary: You need car insurance so why not get one that lets you earn Qantas Points? It's good value too (it's underwritten by the same insurer as Budget Direct).

⭐ Current offer: Earn up to 30,000 Qantas Points with every car insured by 30 September. Plus save 15% on your 1st year’s premium when you purchase online. T&Cs apply.

Who it might be good for: People who want more bang for their buck with Qantas Points.
ROLLiN' Comprehensive
Finder's summary: One of the most cost-effective insurers for under 25s, according to Finder research, with no aged-based excess.

Who it might be good for: Young drivers looking to keep costs down and anyone who’d like to get more flexibility from their car insurance.
QBE Comprehensive
Green Company
QBE Comprehensive
Agreed or Market
Finder's summary: Our best-rated Car Insurer for Customer Satisfaction in 2021/2022 and Green Insurer for the last 3 years.

⭐ Current offer: Save $75 when you purchase a new comprehensive policy online. T&Cs apply.

Who it might be good for: Those who want a trustworthy insurer and more cover than other brands, such as 3-year new car replacement (e.g. they'll give you money for a new car for up to 3 years if yours is written off).

Why you can trust Finder's car insurance experts

freeYou pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
expert adviceYou save time. We spend 100s of hours researching car insurance so you can sort the gold from the junk faster.
independentYou can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.

FAQs about storm and hail damage

Gary Ross Hunter's headshot
Editor, Insurance & Innovations

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise
Gary Ross has written 729 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
James Martin's headshot
Co-written by


James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, WIN News, Insurance News, 7NEWS and The Guardian. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

James's expertise
James has written 258 Finder guides across topics including:
  • Car, home, life, health, travel and pet insurance
  • Managing the cost of living
  • Money-saving tips

More guides on Finder

Ask a question

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • 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, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site