Car insurance policies can be invalidated in wet weather if drivers take unnecessary risks
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Car insurance holders could see their policy suspended if firms think road users have driven “appropriately” for the conditions at the time. This is because drivers have a “responsibility to protect their car” which would not be met by taking considerable risks.
Lee Griffin, CEO and founder of GoCompare told Express.co.uk: “Insurers don’t invalidate policies just because people have to drive in heavy rain or strong winds.
“If their car is taxed, has a valid MOT and is insured, and they are driving legally, but drivers should always follow the rules of the road and drive appropriately for the weather conditions.
“Under the terms of insurance cover, it is the policyholder’s responsibility to protect their car from loss or damage.
“This would typically include avoiding unnecessary risks, such as driving through a heavily flooded area.
“If an insurer believes a motorist has driven negligently or carelessly then they could technically invalidate their policy.”
Compare the Market warns that insurance providers will typically put flood damage into two categories.
Unavoidable flood damage is when the vehicle has suffered despite being parked where it should be such as a house driveway.
However, avoidable flood damage is when motorists take risks like driving in an already flooded area despite warnings.
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They warn that motorists with fully comprehensive cover should still check their terms and conditions when trying to make a claim.
Experts say that drivers may only be covered if they have done what is necessary to keep their car safe and avoid danger.
Flood and debris damage to a vehicle will only be covered with a fully comprehensive agreement.
This means that those with third party fire and theft policies will be forced to pay for any repairs to a vehicle.
However, Lee Griffin warns that in some cases drivers may find that damage caused in wet weather is not covered by any policy even if they are driving sensibly.
Travelling through deep water or puddles could see water escape inside the vehicle which could lead to severe issues.
In heavy rainfall and thunderstorms, roads can become quickly flooded with just six inches of water enough to reach the bottom of a vehicle.
Some insurers could consider any damage an “at-fault claim” which would see insurance firms likely refuse payouts.
Mr Griffin told Express.co.uk: “Also, some insurance policies may not include cover for mechanical and electrical failures.
“Drivers should always check the local weather forecast and travel advice and plan ahead for potential disruption and think about delaying the journey or changing the route to avoid flooded areas or on minor roads.
“Accidents categorised as ‘an at-fault claim’ would mean the customer will have to pay an excess.
“[This] could result in the policyholder losing any no-claims discount they had previously built up and they could then face higher insurance premiums in the future.”
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