Hail damage. What does the insurance pay for?

That depends on your policy. For your vehicle, you can find the agreed deductible for claims under partially comprehensive insurance in your insurance contract or on myHelvetia – many customers have not agreed to a deductible under partially comprehensive insurance. In the event of damage to your building or household contents, a statutory deductible applies in the case of natural hazards. You can also find this in your policy. 

It’s best to report the damage as soon as possible – online is the quickest way to do so. This will enable us to review your case quickly. Please do not carry out any repairs to your vehicle or building until we have assessed the claim together with you. 

Yes. Once the assessment has been carried out – for example, at our hail drive-in – you can decide for yourself: you can either have your car repaired or receive the claim amount as a payout. Particularly in the case of older vehicles with dents that are purely cosmetic, many people opt for a cash disbursement. 

In that case, this is considered a total loss. We will then provide you with compensation in accordance with the terms of your policy. Our experts will advise you personally and outline your options. 

The safest place to park your car is in a garage or carport. If there is nowhere sheltered to park the car nearby, a hail cover – or otherwise a thick blanket – placed over the roof and bonnet will do the trick. Weather warnings, such as in the MeteoSchweiz app, give you time to take action before a thunderstorm strikes. 

Yes. Your motor vehicle insurance is valid in Switzerland, the Principality of Liechtenstein, European countries, non-European Mediterranean countries and Mediterranean island states – so it covers holidays in Italy, France or Spain, for example. The insurance is not valid in the Russian Federation, Belarus, the Crimean Peninsula, Georgia, Armenia, Azerbaijan, Kazakhstan, Israel, Egypt, Algeria, Lebanon, Libya and Syria. It is best to report the claims online while you are still on holiday – the assessment will take place once you return. 

Depending on the canton, the cantonal building insurer covers fire and natural hazard loss of your photovoltaic system. You can obtain comprehensive cover with a separate photovoltaic insurance policy: it also covers other risks, such as theft, loss of earnings and damage of any kind.