Most (if not all) insurers will understandably refuse to pay out as it’s “avoidable”
Do you know this is a ‘fact’ or are you making an assumption?
If you read most T&Cs it is fact (hence my use of the word avoidable, a direct quote from some I looked at). I fully expected it not to be covered but just wondered how they would go about claiming the cost of the vehicle from a customer.
I’m sorry but I don’t agree. ALL accidents are avoidable. The vast and overwhelming majority are caused by driver error – driving too fast for the conditions, driving too fast full stop, not keeping an adequate stopping distance, not paying attention to surroundings, pulling into the path of other vehicles etc etc etc yet insurance companies pay out.
The only scenarios that I am aware of where insurers will automatically fail to pay out are in scenarios where the driver is impaired to the point that they are prosecuted (drink or drug driving etc).
As I said previously, anybody stupid enough to drive around road closure barriers and get into difficulty is going to have a real problem. In reality the battle would end up being between the insurer and Motability (as we don’t own the car) but the driver could expect to lose their Motability entitlement. However, anyone inadvertently driving through water that they thought was a few inches deep but turned out to be a problem and they got into difficulty, when there was no road closure warning, would be covered and to suggest otherwise is scare mongering. Adrian’s experience confirms this.