Hail damage is usually covered under comprehensive insurance in Australia; third party and most fire & theft policies won’t touch it. If the car already has dimpled panels, an insurer may still take you on—but they’ll exclude that pre‑existing hail and only cover fresh storm drama. Expect to pay your excess and choose between repair (often paintless dent repair) or, if uneconomical, a payout based on market or agreed value.
File the claim quickly with photos, a weather date, and a quote; delays don’t make the dents smaller. Big hail events can trigger “write‑offs,” which looks dramatic but often just means repairs cost more than the car is worth. Premiums may nudge up after a claim, because of course they do. Read your Product Disclosure Statement for the fine print and exclusions.
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