The storm that hit some areas of the Milanese area causing extensive damage to parked cars has highlighted a problem that is often underestimated by motorists; the possible consequences of a sudden hail. A risk that, according to the analysis carried out by Facile.it out of a sample of over 700,000 estimates, it seems to be taken lightly by policyholders considering that, among those who have added an ancillary guarantee to the basic liability insurance, only the 3.5% has opted for a policy that covers from natural events.
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The policy natural events protects the car owner from damage caused to the vehicle by atmospheric events such as, for example, floods, floods, tornadoes, hurricanes, landslides, landslides and, of course, hailstorm. Damage caused to the vehicle by things carried by the wind and by falling trees is included, but only if these are consequent to the atmospheric events covered. As regards water-related damage, however, those caused to the engine as a result of circulation in flooded areas are normally excluded.
Some insurance companies, in the event of natural events, require the policyholder to provide proof of the event through, for example, articles published in the media (on and off line), a written declaration from the local authorities or, again, confirmation from the nearest meteorological observatory; the classic “Fantozzi cloud”, therefore, may not be covered. Attention, moreover, because in some cases the natural events policy can be purchased only if added to other guarantees such as, for example, fire and theft, crystals or vandalism. Finally, before purchasing the policy, it is good to check ceilings is discovered. Many companies apply a fixed amount or percentage, which normally varies between 5% and 10%, not covered by the policy; this value may in some cases increase if you choose to have the car repaired at a non-partner garage.