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Plan ahead, protect your car

18 JAN 2021

plan ahead, protect your car coles insurance

Coles Insurance

Summer is finally upon us! And while it’s bound to bring plenty of sunshine, it’s also likely to bring increased rainfall and storms across many parts of Australia. This means we need to be more alert and prepared for things like fallen trees or power poles caused by damaging winds and hail. 

Here’s what you can do to better protect both yourself and your vehicle – before, during and after a storm.

Preparing for storms, cyclones and floods

Here’s a list of simple steps you can take to better protect both yourself and your property – before, during and after a storm. 


 Regularly monitor the Bureau of Meteorology’s forecast updates and storm warnings in your area.

 Park your car under safe shelter – away from trees. If this isn’t possible, cover it with firmly secured tarpaulins or a hail protective cover. (Tip: it’ll help to practice putting this on before a storm is forecast).

 Move yourself and your car to higher ground if you live in a flood zone or are concerned about low-lying parts around your property.

 Ensure your vehicle is always roadworthy and your insurance is up to date. 


 If you're driving, turn your headlights on to not only increase your own visibility but to make you more visible to other drivers. Then, when safe to do so, pull over with your hazard lights switched on.

 Avoid mud, debris, damaged roads, fallen power poles and parking under trees.

 Don’t attempt to drive through still or flowing flood waters as even shallow flowing water can sweep vehicles (and their occupants) away.

 Keep a safe distance between you and other vehicles (approximately 5 seconds) as it can take longer to brake in wet conditions.


  If a storm or flood has left its mark on your vehicle – you can make a claim with your insurer.

 Please be aware, if your windshield and/or side mirrors have been damaged by hail, it’s advised you have these features replaced before driving again.


As we’ve moved into storm season, it’s important to know what to expect this summer. Read more information on La Niña here.

For tips on how to prepare your home during storm season, click here.

Learn what Australian's high risk flood areas are and/or how to develop an emergency flood plan here.


This page provides general advice only. For up-to-date and specific advice relating to the risks in your area please speak to your local council or emergency services.

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Product related

Standard underwriting criteria apply. Coles Supermarkets Australia Pty Ltd (Coles) is an authorised representative of the issuer, Insurance Australia Limited (ABN 11 000 016 722) (AFSL 227681), part of Insurance Australia Group (IAG). Any advice provided is of a general nature only and does not take into consideration your objectives, financial situation or needs. Before acting on any advice you should consider its appropriateness. You should read the Product Disclosure Statement and Target Market Determinations available at before deciding whether to acquire an insurance policy.