Thread: Insurance when buying a hail-damaged car

You may not be able to get comprehensive insurance on them.

See https://www.choosi.com.au/car-insura...-car-insurance

Interesting question, i would have to assume that any insurance cover would take into account the current/previous damage and a possible write down of the value.
They would most likely have roof and bonnet damage so the type of damage a young bloke is most likely to have is front/rear or side.

I think a phone call to your insurer would answer your question.

interesting timing whited3 , as I was just reading AAMI's product disclosure statement.

it states...'we will not fix a fault or defect that existed before loss or damage unless the fault or defect was from repairs we authorised'

and....'we will not pay for repairing pre-existing damage. If we agree, you can pay the extra cost of repairing this damage'.

but like loanrangie says , a call to your insurer will answer your question.

I have 2 friends who bought new hail damaged cars. In both cases they got comprehensive insurance, however coverage against hail damage was excluded.

So - additional hail damage to the affected panel(s) would not be covered, though accident damage to the same panel would be. One of them later had a forklift damage the bonnet (which was where most of the hail damage was).

My understanding is that once they write off the car and pay you out, they will not insure it again.
A friend in Perth had his Terrican written off, bought the wreck and is still driving it, but no insurance.
Regards Philip A

Thanks for the replies guys. How this came up was with a mildly hail damaged X-Trail for 15k reduced to 9K. The hail damage was hard to see but all over the car.

I didn't proceed with the car for other reasons, mainly that the speedo said 78,000k but the interior screamed 378,000k.

I didn't think you could wind back electronic speedos.

Originally Posted by WhiteD3

Thanks for the replies guys. How this came up was with a mildly hail damaged X-Trail for 15k reduced to 9K. The hail damage was hard to see but all over the car.

I didn't proceed with the car for other reasons, many that the speedo said 78,000k but the interior screamed 378,000k.

I didn't think you could wind back electronic speedos.

Who would bother on an Entrail anyway.

AAMI will not insure a hail damaged car for anything other than 3rd party property. This is a shame as they are the only company I can find that offer anything like reasonable rates for car insurance for P plate drivers.