It usually comes out of nowhere and often leads to damages worth millions of francs: hail. If you insure your car well, you don't have to worry about dents in the bodywork later on. As the next storm will surely come (hopefully without financial consequences), we have summarized the most important points:
Guide
Hail damages – these 5 points protect you from bad surprises
1. Hail damage to the car: who pays?
Hail is one of the natural hazards not covered by the car liability insurance. The only way to be covered is to take out a partial or a full casco insurance.
The advantage for car owners: not only are the repair costs reimbursed, you can also avoid a loss of vehicle’s value.
From CHF 29 per month
Information on the calculation basis: *Person: Born 1 June 1986, female, resident in 8400 Winterthur, nationality: Switzerland
Car: Fiat 500 Electric mod. 2022 type certificate 01xx664 / 0 damage last 5 years / no leasing / catalogue price CHF 44 490
Coverage modules: Compulsory third-party liability and partial casco.
Start of insurance 01.03.2024, annual payment method, offer date 01.02.2024, price rounded.
Insure your car now
2. Is it worth taking out partial casco insurance?
Partial casco is advisable for vehicles under 7 years of age, as a damage caused by hail can quickly result in costs of several thousand francs. The coverage for hail damage can also be useful with older cars. Usually the damage can be paid even if you decide not to have the damage repaired.
3. What should I do in the event of a hail damage?
If there was hail, you should immediately check whether your vehicle was hit (provided, of course, that it remained outside). If you discover any suspicious dents, report the hail damage to your insurance as soon as possible. The insurance company may want to inspect the affected vehicle before it is repaired. However, further processing of the complaint is usually quite uncomplicated.
4. Would you prefer the amount of the damage to be paid?
This is also possible without any problems. However, please note that in the event of future hail damage, the new damage amount will not be fully credited. The reason for this: It is no longer possible to determine whether the dents were caused by a previous hailstorm.
5. Hail damage - we will help you
One thing is clear: even in case of a damage caused by hail, we do not leave our customers under the rain. Therefore: report us hail damages by phone or online immediately. We will send your claim to the experts of Allianz Suisse, who will quickly take care of it in a professional way.
- 24h Assistance – Claims hotline:
0800 22 33 44 from Switzerland
+41 43 311 99 11 from abroad - 24h Assistance – Report a claim online:
Link hail report online (in German, French or Italian; change language on report site).
Please have the following information with you:
- Policy number or car registration number
- Details of the claim: Where is your car damaged?
- Details of the loss event: When was your car damaged (date, time, region)?
Conclusion
- Hail damages to the car are not covered by the car liability insurance.
- For hail damage it is recommendable to take out a partial coverage insurance, also for older cars.
- In the event of damage, you can have your car repaired or have the damage amount paid out.
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