My car was damaged by flood water while parked — am I covered?
What should you do?
- Do not try to start a flooded vehicle unless advised; doing so can worsen engine or electrical damage.
- Photograph the water level and damage if it is safe.
- Contact the insurer promptly and follow recovery instructions.
- Keep evidence of where the car was parked and when the flooding occurred.
What can make a difference?
The result can depend on your level of cover, exclusions, excess, information given when the policy was arranged or renewed, who was driving, and the precise circumstances. Two policies both described as “comprehensive” can still contain different terms.
Cover may be considered differently if a driver deliberately enters flood water, so the precise circumstances matter.
Comprehensive insurance may cover flood damage, but exclusions and claim decisions can vary. Do not try to start or drive a flood-damaged car unless it is safe to do so, and contact the insurer before arranging repairs.
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