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Does your car insurance cover hail damage in Singapore?

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Insuring your car against hail damage in tropical Singapore is not something you’d expect to be on your radar. But it does happen. And hail stones can cause serious damage to your car. So, does your car insurance cover such damage?

Are you covered?

If you have comprehensive car insurance then you’re most likely covered. At Budget Direct Insurance our comprehensive car insurance covers you for hail stones. If you just have a third party liability policy, however, you won’t be covered.

In addition to protecting your car from hail damage, comprehensive coverage would also cover your car for damages resulting from vandalism, theft, falling tree branches and in many cases flooding. Do check the terms of your contract, though, as flooding may not be covered by your comprehensive car insurance policy. At Budget Direct Insurance our comprehensive policy covers your car for flood damage.

If You Don't Have Comprehensive Insurance

If you do not have comprehensive car insurance, your insurance company will not pay for hail damages to your car.

Should You Make a Car Insurance Claim After a Hail Storm?

Whether you should make a claim after a hail storm depends on the extent of the damage. In other countries hail storm claims can be in their thousands but for minor cases, it may not be greater than the cost of your policy deductible or excess. Let's say the hail puts a small chip in a windshield which can be repaired for less than your excess. According to consumer research firm ValueChampion, in this case it would be more cost-effective to just pay the repair bill rather than having to go through the insurer and pay the deductible or excess. Even if the price of repairs ends up being slightly more than your deductible, filing a claim can cause your insurance premiums to go up. It may actually be cheaper for you to pay slightly above your deductible, so you don't have to pay more in premiums in the long run.

How to Make a Hail Damage Car Insurance Claim

Making a claim for hail damage is done the same way as other types of claims. Whatever your preferred method of contacting your company, either online or through phone, you should do it as soon as possible after the hail storm passes. If there is a major hail storm in an area, it could be the case that many other drivers will be calling to make a claim, so it could take longer for you to contact your insurer. The faster you call, the faster you will be helped.

Wherever you go, whatever you do, it's vital to have a good car, motorcycle and travel insurance.
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