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Originally Posted by nstg8a
we bought our missus' pos excel 18 months ago with existing hail damage, being new to the country had never heard of the 'no insurance for hail damaged cars' story...
but, we had no trouble obtaining full comp' insurance for it, it was only when we changed insurance companies for a better deal that it caused a problem, and that was just an exclusion in the policy that it wasnt covered for any hail damage... no great drama really.
i think those saying insurance companies wont touch them either arent looking hard enough or just plain talking out their ***.
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Having previously had 8 years experience in the insurance industry - a lot of insurance companies will not fully comprehensively insure vehicles with existing damage - regardless of how it occured such as accident, hail etc.
It becomes too complicated later if a claim is made to determine how much should be paid by the insurance company and how much should be paid by the owner to have the vehicle repaired, especially when the owner is asked to contribute money towards the repairs beyond the excess - they are usually not happy, especially if its a significant amount.
If you've managed to find insurance thats suitable, thats fantastic and you've done a good job shopping around for your needs. Although insurance companies do tend to find out about pre-existing damage when a claim is lodged as the vehicles owners "neglected" to disclose the damage upon applying for the insurance - I hope yours doesn't fit this scenario.
The people who have stated their concerns with insurance are not talking out their ***