Does RACV Car Insurance Cover Hail Damage?

Hail damage is one of the most common types of car damage but it can be difficult to know whether your insurance covers it or not. RACV car insurance offers a range of cover options for hail damage, depending on the type of policy you have.

Comprehensive Cover

If you have a comprehensive car insurance policy, you’re covered for hail damage. This means that if you suffer any hail damage to your car, your insurance company will pay for the repair costs. It’s important to note, however, that if the damage is beyond repair, you may be offered a payout in lieu of repairs.

Third Party Fire and Theft Cover

If you have a third party fire and theft policy with RACV, you’ll be covered for damage caused by hail as long as there is fire or theft involved. This means that if your car is damaged by hail, but it also catches fire or is stolen, your insurance will cover the cost of the damage.

Third Party Property Damage

If you only have third party property damage cover, your policy won’t cover damage caused by hail. This is because third party property damage cover is designed to cover damage to other people’s property, not your own. However, if you want to protect your car from hail damage, you can purchase an extra cover for it.

Optional Extras

RACV offers a range of optional extras that can be added to your car insurance policy. One of these extras is hail cover. This will provide you with cover for hail damage and can be added to any of the above policies. It’s important to note that this cover is not included in your basic policy, so you will need to pay extra for it.

Conclusion

RACV car insurance offers a range of cover options for hail damage, depending on the type of policy you have. If you have comprehensive car insurance, you’ll be covered for any hail damage. If you have third party fire and theft cover, you’ll be covered for hail damage as long as there is fire or theft involved. If you only have third party property damage cover, you won’t be covered for hail damage, but you can purchase an optional extra to provide you with cover.