There is no doubt that our weather patterns have changed! We experience cold in November and sudden hail storms where we would never expect them! I remember how in 2000 my Ford Bantam was literally destroyed by a hail storm in Bloemfontein – and this was no ordinary hail! Instead of the usual small rounded hail stones, these were large crystal shaped stones that damaged traffic lights, neon signage etc.
I am today still driving this Ford Bantam with the evidence of hail damage all over the vehicle. I simply was not covered for this damage, paid my school fees and have learnt my lesson! Are you covered?
Mutual & Federal, one of South Africa’s leading short-term insurers warns about the dangers of not having adequate insurance cover for this force of nature.
“The Summer season has definitely announced its arrival loud and clear this year, and the whole of South Africa has been hit by storms recently. Considering the amount of damage that has resulted from these storms, it is vital to check your policy and ensure that you’re adequately covered,” advises Sedick Isaacs, Mutual & Federal Executive General Manager: Claims. The devastation and destruction left by a major hailstorm is not only unsettling but it could also leave individuals financially crippled if they are not sufficiently insured.
The probability of having your property damaged due to a massive hailstorm is quite likely – and with unpredictable weather there is only one true prediction to be made – You WILL suffer damage if you are not insured! There is nothing worse than being stuck in congested traffic and being pelted with hail stones!
Isaacs continues, “Unfortunately we cannot predict when or where massive hailstorms are going to hit. However, we are able to mitigate these risks by protecting ourselves against the financial implications of such damage. “
Isaacs encourages all short-term insurance policyholders to read their policy documents carefully to be certain of the extent of the cover provided. They can also contact their brokers or insurance advisers to check for any policy limitations and to ensure that they are adequately and fully covered.
We have in the past on the car insurance blog referred to the need for detailed analysis of the fine print on car insurance policies. Even more important is the need to communicate with your insurer or broker. Do not wait – contact your insurer today and request written confirmation that your vehicle is insured against hail damage!!