My insurance company won't cover a claim for stone chips. What do you suggest?

My car is covered in small stone chips that happened on a motorway drive. The paintwork is ruined but my insurance company refuses to recognise it as accidental damage even though it was one occasion. They claim stone chips occur over a number of occasions when the marks are clearly consistent with a single stone shower. What do you advise, please?

Asked on 16 July 2021 by Graham Waters

Answered by Dan Powell

I'm not sure it would be worthwhile claiming this on your insurance. The impact on your no-claims history and the voluntary excess payment would probably outweigh the cost of paying for the repairs yourself. A local independent bodyshop will be able to fix this. Or you might be able to get the paintwork marks out yourself: kit.honestjohn.co.uk/reviews/review-farecla-g3-pro...d

Tags: insurance

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