can you insure a hail damaged car

Yes, you can insure a hail-damaged car—but no insurer will pay to fix dents that existed before the policy.

If the storm struck after you were already comprehensively insured, lodge a claim; if you buy or insure it after the damage, the policy will note pre-existing hail and only cover future, unrelated losses.

Expect photos or a pre-inspection, a reduced agreed value, and often a specific hail-damage exclusion for what’s already there.

Want cover for the next sky-ice event? You’ll need comprehensive; third party (with or without fire and theft) won’t touch hail.

If it’s on the write-off register or carries a hail notation, some insurers may refuse, or only offer limited cover.

Shop around, get an assessment in writing, and weigh repair costs versus premium and value—boring, yes, but cheaper than arguing with an assessor later.