Car claims

Storm, hail or flood damage to your car: what to do and what to gather

Photograph it where it stands, and don't start a flooded engine.

Don't drive through floodwater, and don't try to start an engine that's been in water. That can turn repairable damage into a write-off.

Do this first

1. Stay safe, and keep clear of fallen trees and powerlines
2. Photograph the damage and where the car is, before moving it Include hail dents, broken glass, water lines and the surroundings.
3. Take reasonable steps to stop more damage Cover broken glass, or move the car if it's safe. Keep receipts.
4. Contact your insurer and start the claim

Who to tell

• Your insurer: Many ask you to claim promptly, especially after a big weather event when assessors get busy.
• The SES on 132 500: For help with storm or flood damage. Call 000 for anything life-threatening.

What to gather

• Photos or video of all the damage. Shows the type and extent of the damage.
• Photos of where the car was parked. Shows how it was exposed to the weather.
• Date of the event and where the car was. Ties the damage to a specific event.
• A weather warning or news report for that day. Supports that a storm or flood happened.
• Receipts for towing or temporary protection. Reasonable emergency costs are often covered.
• A repair quote. Your insurer may arrange its own.

Things that catch people out

• Attempting to start a flooded engine can cause more damage and may affect your claim.
• Whether it counts as 'storm' or 'flood' can matter under your policy, so use the exact wording of your policy's definitions.

General guidance only. It isn't your insurer's requirements or financial advice. Always check your policy documents and your insurer's instructions.