Gocompare.com issues flood warning for motorists

With more rain forecast and flood water levels yet to peak, Gocompare.com’s Managing Director Hayley Parsons comments on the motor insurance implications:

“At times like this, much of the focus quite rightly goes on homeowners and the catastrophic damage that flood water can cause to people, their homes and their livelihoods. However, around 11 per cent of all claims resulting from the 2007 floods were car insurance claims.”

“At greatest risk are the estimated nine million people with only third party, fire and theft policies. These policies do not provide cover for flood damage and our figures show that 28% of UK drivers have this type of cover. Generally, drivers will opt for these policies as they cost less than comprehensive cover. Sometimes this will be the right cover for the individual if the value of the vehicle is very low. There is nothing wrong with purchasing these policies, but it is essential in times such as these that drivers know exactly what is and isn’t included in their policy cover.”

“Everyday we are seeing images of people driving through flood water and it is clear that people still aren’t aware of the damage it can cause to their car or the danger flood water can hide.”

Gocompare.com issues the following advice to drivers:

If flood warnings have been issued in your area, think about moving your car to higher ground to prevent flood damage

Never attempt to drive through flood water - all engines are affected if you drive through flood water. Turbo-charged and diesel engines are most vulnerable

If your car is submerged in flood water, do not try to start your car – take steps to extract the water if you can but seek professional help to get it dried out and repaired properly

If the car has been submerged in water, this does not automatically mean it is a write-off as it depends on the level of water that has got into the engine. Sometimes cars will dry out, with no lasting damage to the vehicle

In instances where the water has got into the engine, an engineer will come out to look at the car and upon assessing the damage will be able to advise whether or not it is a write-off

Any items inside the car, such as stereos, upholstery and carpets will generally be covered under a comprehensive insurance policy

If you need to have your vehicle towed, or get temporary repairs, save all receipts and take reasonable steps to protect your vehicle from further damage

For advice in the event of a flood you can visit the Environment Agency's website at environment-agency.gov.uk.

For further information, visit gocompare.com.