If you’re not lucky enough to own an off-road vehicle or 4x4 and your area has been given a flood warning by the Environmental Agency as a result of the recent heavy rainfall then you are probably worried about your possessions. It’s not just house and contents insurance that should be checked, but car insurance as well.
Although most fully comprehensive policies will cover you in event of your car being caught in a flood, it is always important to check your own details rather than relying on other information first. If you are only covered by a third party, fire and theft policy then the likelihood is that you don’t have flood damage protection. In this case it is important to take all the necessary precautions to ensure you don’t incur the cost of any damage to your vehicle. Car insurance comparison sites such as comparethemarket.com will let you alter the level of cover you buy when you get a quote so it’s worth checking what level of cover you have with your existing policy.
Tips Flood Threatened Vehicles
If your area has received a flood warning from the Environmental Agency but has not yet been hit then the first thing to do is move your vehicle to higher ground. If your car isn’t touched by the floods at all then there will be no reason to claim from your motor insurance company.
However it isn’t always possible to pre-empt the rising water. Your first priority should be your own safety, so if there is any risks to yourself or others in moving the vehicle then leave it where it is. If you find that you have to drive through water when moving the car, and it is safe to do so, remember to always keep the accelerator pedal pushed down. If you raise your foot from the accelerator when water is higher than the exhaust pipe then the floodwater can be sucked into the engine causing a lot of damage.
Never attempt to drive through deep water or water of uncertain depth. Most casualties in floods are a result of people being trapped in cars. So ensure you don’t put yourself or others in danger by evacuating your car immediately if you can’t move it and the water is rising.
Finally, if you wake up to find your car under water do not turn on the ignition. If the engine has been submerged then starting the car can cause permanent damage. There are plenty of professional services that provide drying for cars, many of which will be endorsed by insurance companies. Checking your own car insurance company’s list of suggested services will help you with any claim you may need to make.