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Allow Us to Pay Your Excess

Penrith Storm Event β€” April 2026
🎁 Free excess offer β€” eligible customers pay $0

Your hail repair.
We cover your excess.

For eligible insurance hail claims, we waive your excess up to $1,000. You choose us as your repairer β€” and walk away paying nothing.

Get your free insurance quote β†’

Or call Jimmy β€” 0408 020 468

What does β€œfree excess” actually mean?

When you make an insurance hail claim, you normally pay an excess β€” often $500–$1,000 β€” before your insurer covers the rest. Our free excess offer means we absorb that cost on qualifying claims. You pay nothing.

🎁

We cover your excess

On qualifying hail claims we waive your excess up to $1,000. Most customers end up paying nothing at all.

*

Booked within days

Preferred repairers are booking 2+ months ahead. We can typically see you this week β€” no waiting, no queue.

βœ“

Choice of repairer is your right

You do not have to use your insurer’s preferred repairer. Under Australian consumer law you can nominate us.

Your rights as an insurance customer

Many Australians don’t know they have the right to choose who repairs their car after a hail event. Your insurer may push you toward their preferred repairer network β€” but you are not obligated to accept.

  • You can nominate your own repairer for hail damage claims under most comprehensive policies
  • Your insurer must assess the repair fairly regardless of who completes the work
  • If your insurer refuses your choice of repairer, they must give reasons in writing
  • You can dispute an unreasonable refusal with AFCA β€” the Australian Financial Complaints Authority
  • Preferred repairer networks exist to save your insurer money β€” not to benefit you

Preferred repairer vs HailDent β€” how they compare

X Insurer’s preferred repairer
Wait time2–4 months in most storm-affected areas
ExcessYou pay your full excess
Who chooses the tech?Your insurer
TransparencyLimited β€” you deal with a large operation
Your inputMinimal
βœ“ HailDent (your choice)
Wait timeTypically within days
ExcessWe waive it β€” up to $1,000
Who chooses the tech?You do β€” with Jimmy’s guidance
TransparencyDirect contact with Jimmy 0408 020 468
Your inputFull β€” you drive the process

How the free excess offer works

It’s simpler than you think. Here’s the process from start to finish.

1

Book a free 30–45 min insurance assessment

We inspect your vehicle, photograph all damage using the 9 mandatory insurer photos, and document everything correctly. No charge for the assessment.

2

We submit the formal quote to your insurer

We prepare a compliant insurance quote with all required documentation and photos, and submit it directly to your insurer’s claims team on your behalf.

3

Insurer authorises the repair

Once your insurer approves, we confirm your repair date. We notify you as soon as authorisation comes through β€” typically within a few business days.

4

Repair completed β€” you pay nothing

We complete the repair and invoice your insurer directly. Your excess is covered by us on qualifying claims. Before and after photos provided.

Common questions

Everything you need to know before you call.

Is the free excess offer available on all claims? ↓
The offer applies to eligible hail damage insurance claims. Eligibility depends on your insurer, policy type and the scope of damage. We assess this during your free quote appointment and confirm before any work begins. Most standard comprehensive policies qualify.
What if my insurer says I have to use their repairer? ↓
Ask them to confirm in writing that your policy does not allow choice of repairer. Many customers find that when they push back, their insurer is willing to approve an independent repairer β€” especially for PDR work. You can also contact AFCA (the Australian Financial Complaints Authority) if you feel your rights are being ignored. Call Jimmy on 0408 020 468 and we can help you navigate this.
Will making a claim affect my no-claim bonus? ↓
Yes β€” a claim will typically affect your no-claim bonus and may increase future premiums. This is worth factoring in. For lighter damage where the repair cost is close to your excess, it may make more financial sense to repair privately and protect your NCB. We will walk you through both options at your assessment so you can make an informed decision.
How long does the insurance process take? ↓
The assessment takes 30–45 minutes. We submit the quote to your insurer the same day. Insurer authorisation typically takes 2–5 business days, sometimes faster. The repair itself depends on the extent of damage β€” most vehicles are completed within 1–2 days.
Do I need to have already lodged a claim? ↓
No. You can come to us first for the assessment and quote, and we can help you understand what to expect before you contact your insurer. Many customers find it helpful to have the repair quote in hand when they call their insurer.

Ready to claim β€” and pay nothing?

Book a free 30 min insurance assessment. We handle the paperwork, submit the quote, and cover your excess on qualifying claims.

Know someone with dents? Pass this on πŸ‘‡

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