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Many motorists are feeling the pinch after finding their car has become water damaged from the recent floods that have hit the UK. To make matters worse some insurance policies do not cover flood damaged cars. For example, people often buy third party only or third party fire and theft because it is cheap, but only to find out after the policy will not cover flooded cars.

Comprehensive policies are a safer bet, however you still ought to check the terms and conditions. Generally though, a comprehensive policy covers everything such as personal items, medical, legal, minor and major accidents, windscreen and ofcourse flooding.

Dealing with your water damaged car

Although it may be too late for some motorists, you should change your insurance cover to comprehensive and specifically for flooding. Read the fine print on the contract to distinguish 'avoidable and unavoidable' water damaged cars. If you are unsure about anything, contact the insurer for an explanation. Should this type of downpour happen again, you will have confidence knowing you are fully insured and covered.

Should you wake up one morning and find your vehicle partly, or fully submerged DO NOT attempt to start the engine, or even switch the ignition on.

Switching your ignition could exempt you from making an insurance claim as this will be classified as an avoidable act. Another reason for not turning the engine on is that water is really bad internally for our cars, especially sea water because of the salt. Water damages every component of the car and can corrode and cause dirt to enter every crevice, even the parts you cannot see.

Contact the RAC or similar to inspect your water-damaged car, or have it towed away if necessary. If your insurance does not cover flooding, you will have to pay the repairs, or scrap the car. If you are covered for water damage, your insurer will give you the best option.

Depending on the severity of the water damaged parts, your insurer may decide to have it repaired or scrapped. If the car has to be scrapped, your insurer will issue a payment to the present value of the car. Should your insurer decide to repair the water damaged in the vehicle, they may select a garage or they may leave it in your hands to sort out.

When work has been done on the car always keep your receipts for your insurer.

Never drive through floodwater as even the smallest amount can cause problems. It is better to find an alternative root even if it takes you longer to get to your destination. Imagine taking the risk by driving through floods and suddenly your car stalls, it could be your death trap! It takes just twelve inches of water for any car to float, even heavy 4x4's.

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