Heavy rainfall from Storm Ciarán means flooding could be a worry for parts of the UK this week.
Drivers should be aware that flooding can cause serious damage to cars and that not all types of car insurance will cover it, said Julie Daniels, motor insurance expert at Compare the Market.
“You may be able to claim for flood damage if you have comprehensive car insurance, but you should check the terms and conditions of your policy. It’s unlikely that your car will be covered for flood damage on a third-party fire and theft policy.
“You may only be covered if you’ve done what’s necessary to keep your car safe. Typically, insurance providers put flood damage into two categories. Unavoidable flood damage is if your car is flooded where it’s usually parked, such as at home. Avoidable flood damage is if you take risks, like driving into a flooded area despite warning alerts.”
If your car is submerged, don’t try to start the engine, even if the water has subsided as it might cause further damage. Your insurer may also have its own ‘preferred repairers’ so avoid drying out or repairing the car yourself. If you’re concerned about the risk of flooding and whether your car is covered, contact your car insurance provider for more information.