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Car Insurance - Flood Advice

January 30, 2008

With heavy rain predicted across the UK, the newspapers and television reports warn us of impending flood dangers. A majority of such reports tend to focus on the damage sustained by homes and businesses.

Flooding can also affect vehicles, sometimes leading to thousands of pounds worth of repairs needed for flood damage. Road users are also at a risk, even those who don’t live in areas at risk of flooding.

But there are steps you can take in order to prepare yourself, your vehicle and your finances in case of flood damage:

  • Check that your car insurance policy will cover you in the event of flood damage. Most fully comprehensive policies will cover flooding as standard. However those on ‘third party, fire and theft’ policies may find themselves having to pay a little more for flood damage cover.

  • If a flood warning has been issued in your area and you’re unsure as to your cover, contact your motor insurance provider to double-check any details before setting off on a journey.

  • If a flood warning is issued in your area, try and store your vehicle on higher ground if you are able to.

  • If you need to travel during flood conditions, be sure to leave plenty of time for your journey.

  • Make sure you let someone know of the planned itinerary of your journey, including departure times and an approximate return time – this information can be valuable to emergency services should you become stranded.

  • Keep a watchful eye and ear on your local radio and TV weather and travel reports, take time to research alternative routes in the event of road closures in flood-prone areas.

  • Pack a small bag with a change of clothes, food and drink and a fully charged mobile phone in case of emergency.

    • When driving during flooded conditions it is important to take precautions, both before and after your journey:

  • Drive slowly and cautiously, leave plenty of space between yourself and the car in front, remembering that braking distance is reduced in wet conditions.

  • Drive very carefully around flooded parts of the road, keeping to the highest possible point. Do not attempt to travel through flooded patches if you’re unsure of the depth.

  • If you have to travel through flood water, drive at low speed and be vigilant for any debris or other obstacles that could cause damage to your vehicle.

  • Once clear of the water, use gentle braking to dry your brakes, but ensure it is safe to do so before taking this step.

    • If your car has suffered flood damage, do not attempt to switch on the ignition, and check the outside of your vehicle for any damage.

    It is important to get your car examined by a qualified mechanic at the earliest opportunity following floods to assess the damage caused by flood conditions. It is also advisable to contact your motor insurance company to check if you’re eligible to claim for any damage.

    by D Collins

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    Written by Be Safe Insure · Filed Under Car Insurance, Flood Insurance 

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