The guarantee against storms is present in many car contracts. Also called “weather event coverage” or “hail insurance,” it covers damage to your car caused by, for example, high winds, a hurricane, a hailstorm, or a blizzard.
For an event to meet the definition of a “storm” in insurance, it must meet a few conditions. The storm must have hit a significant area in particular. And therefore many vehicles are also damaged within a radius of 5 km around you.
A guarantee not always present
When you take out your “all risks” car insurance, you are systematically covered. Certain contracts, known as “third party +” or “third party maxi” include this guarantee, which should be checked with your insurance company.
In the case of a “liability” or “simple third party” contract, you are only insured for the damage you cause, not for that which has been caused to you; no compensation for damages in this case. Pursuant to Article L 126-2 of the Insurance Code, the “storm” guarantee is linked to the guarantee for “attacks and acts of terrorism”.
What situations are covered?
It is the car insurance contract and thus the insurance company that must define the situations covered by the storm guarantee, such as how strong the wind has been detected. It can be a hailstorm, an earthquake, a tidal wave, a subsidence or a landslide, a flood caused by climatic events or even an avalanche.
As for the wind, it must have blown more than 100 km/h. In connection with strong wind peaks, the insurance company may ask to present a bad weather certificate, which can be ordered from Météo-France for a sum of approximately 70 euros and which will be reimbursed.
The storm is not a natural disaster
However, there is a significant difference between storm coverage and natural disaster coverage. In the case of storm coverage, the location and/or intensity of the climatic event in question does not justify the authorities publishing an inter-ministerial announcement that it is a natural disaster.
The “Storm” warranty generally covers all damage to your car after a hurricane or high winds. You must notify your insurance company by registered letter within 5 days of the loss.
Beware of exclusions
Damages may not be covered if you were driving during the height of the storm; the insurance company will think that you were reckless and that he does not have to assume. Same situation if your vehicle was parked outside while you have a covered garage.
To support your claim file, don’t hesitate to provide newspaper clippings, testimonials or photos of other affected vehicles.