Does car insurance cover flood damage?

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Written by Michael Foote , founder of Quote Goat, with over 13 years experience working in the finance, insurance and currency sectors.

The UK has been seeing more adverse weather patterns than normal towards the end of 2019 and the start of 2020. Due to our temperate climatic zone, weather conditions are very quick to change and recently there have been serious floods that have wrecked homes and submerged vehicles all over the country.

With torrential rains bursting the banks of rivers and other bodies of water up and down the UK, more and more motorists have been asking the same question:

Does my car insurance cover flood damage?

There are a number of different policies available for drivers to insure their vehicles. And depending on which policy you chose, you may or may not be able to claim for certain kinds of water damage, including that of flood damage.

Some will cover repairs to the car stereo, upholstery and carpets but not any electrical equipment or the car’s engine, others may cover possessions left in the vehicle such as handheld electrical items and clothing.

Comprehensive Cover

Most fully comprehensive car insurance policies allow drivers to claim on damage to your vehicle as a result of flooding as long as you have shown that you took every precaution to protect your car.

This is because most insurers categorise flood damage as avoidable and unavoidable. Avoidable flood damage generally refers to incidents where the driver has purposefully driven through large bodies of water, most commonly large puddles covering the road, which has caused the vehicle damage.

Unavoidable flood damage is used to categorise the types of destruction we have seen recently in the news where towns and cities have been flooded, destroying homes and vehicles in the process. Whilst an insurer would consider intentionally driving through deep water reckless, flood damage destroying a car parked in the driveway at home is more likely to receive compensation.

Personal Possessions Cover

If your car insurance doesn’t cover the cost of belongings left in your car, you may be covered via your home insurance policy, if you have one. Be sure to check as part of your personal possessions cover whether you are covered or not.

Third Party, Fire and Theft

Unfortunately, it is very unlikely that you will find flood damage on third party, fire and theft coverage as this is a limited policy that only covers the bare minimum of requirements.

What to do if your car suffers flood damage?

Flood damage does not always mean your car will be written off, but it is important that you contact your insurance provider immediately for advice on what to do next.

If you want to compare car insurance quotes, you can use Quote Goat to find the best possible deal for you and your vehicle.

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