Ultimately it will depend on the wording set out in the insurance policy and whether you have fully comp or third party fire and theft.
Unavoidable flood damage – damage that caused by no fault of your own.
Avoidable flood damage – would include, driving through water, ignoring flood signs or driving against weather warnings, would as likely be classes knowingly putting your vehicle at risk.
However, nothing is clear cut, with the likelyhood of accidental damage covering damage to the vehicle
