Climate change is leading to more thunderstorms during hot summer days. There is a strong relationship between thunderstorms and hail. This hail, also called 'summer hail', consists of hard, massive and somewhat transparent ice clumps. In heavy showers, they can be more than 5 centimeters in size. This hail can cause a lot of damage, to buildings and greenhouses, cars or crops. The chance of extreme hail in the summer can double in thirty years, the KNMI expects.
In winter, hail pellets are often much smaller. They are white, transparent grains that contain a lot of air. However, this hail can also sometimes cause damage.
Private
Dwelling
Assured:
- Most private home insurance policies cover damage from hail.
Not insured:
- Damage due to poor maintenance.
Car
Insured, provided that there is a hull or all-risk insurance:
- Damage to the car.
- No influence on bonus/malus scheme.
Businesslike
Buildings and inventory
Insurable:
- Damage caused by hail to the roof or to the rest of the building.
- Damage to stocks and inventory.
- Business interruption.
Not insured:
- Damage to items on the site (there are other insurances for that).
- Damage to crops and the like (there are other insurances for that).
- Damage due to poor maintenance.
Company car
Insured, provided that there is a hull or all-risk insurance:
- Damage to vehicles.
- No influence on bonus/malus scheme.
The information on this website is based on the often standard applicable extensive conditions. It is possible that you and your insurer have deviated from this.
This product is made possible by the Ministry of Infrastructure and Water Management.
