And with so much rain pelting down, it’s little surprise the country is susceptible to flooding – not good news for motorists or homeowners. But what does flooding mean for our cars and, more specifically, does car insurance cover flooding?
If you have a fully comprehensive car insurance policy you may be able to claim for damage to your vehicle as a result of a flood as long as you’ve taken every precaution to safeguard your car. If you take a risk and drive your car into a flood, you may not be covered for any damage caused.
Most insurers put flood damage into two categories – avoidable flood damage and unavoidable flood damage. Avoidable damage could be classed as someone driving into flood water – you never know how deep it is.
Six inches of water is enough to reach the bottom of most cars causing potential loss of control and stalling. Cars can float in just 12in of water while 2ft of water is enough to drag away most cars.
Unavoidable flood damage could be classed as your car getting damaged by floods when it’s parked at its usual spot – such as at home.
Follow these top tips from our Claims team to make sure you’re taking every precaution in a flood
Make a claim through our online form – make sure you have your policy number or vehicle registration number to hand. A flooded vehicle is not an automatic write-off; it will depend on whether or not water got into the engine, and how much. If the engine is unaffected, the car may be able to simply dry out leaving no lasting damage.