Flood damage

  • Creator
    Topic
  • #251113
    Djw38uk
    Participant

      Hypothetical one this but…….
      Plenty of stranded cars here in the SW last few days where people have risked driving through flood water and severely damaged their engine.
      Most (if not all) insurers will understandably refuse to pay out as it’s “avoidable” but what happens to a Motability customer in such an instance?

    Viewing 25 replies - 1 through 25 (of 28 total)
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    • #251115
      DumfriesDik
      Participant

        I don’t think the waters will part for Motability customers, sorry.

        If you wilfully destroy your car, don’t expect to get another.

        VW ID3 Max is my DD

        #251116
        Glos Guy
        Participant

          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?

          #251117
          MickC
          Participant

            Hydro-locking your car is a stupid thing to do.

            #251119
            belfast4
            Participant

              A lot of the time people drive into water, stop when they realise it is too deep. They then reverse and it goes up the exhaust straight into the engine.

              #251122
              kezo
              Participant

                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

                • This reply was modified 2 months, 3 weeks ago by kezo.
                #251126
                Ioniq
                Participant

                  It is entirely hypothetical unless another member has done this.

                  However, Motability are very careful to leave any insurance problems for the customer to deal directly with Direct Line. I fail to think why anyone would be treated any differently because they are a Motability customer.

                  But willful damage to the car, no doubt if Direct Line washes their hands of the claim, then the customer would be liable for the full cost of the vehicle.

                  No doubt that scenario will be in the agreement document you signed on the vehicle lease.

                  #251127
                  Glos Guy
                  Participant

                    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

                    This is the thing. If someone ignores a ‘Road Closed – Flooding’ sign and weaves around the barriers then an insurer may have something to say about it. However, I suspect that most issues occur when people are either parked and waters rise, or they drive along an unfamiliar road and unwittingly end up in difficulty. The problem with flood water is that you cannot tell whether it’s is a few inches or several feet deep and whilst I have never been in this position myself, I can’t see how insurers could wriggle out of paying out in these scenarios.

                    #251128
                    Ioniq
                    Participant

                      @glos guy

                      Insurance companies will use any excuse as a get out clause. But you are correct, its a grey area.

                      Nowaday everyone will record the one who tries to go through water and put it on Fail Army for all to see.

                      #251129
                      Djw38uk
                      Participant

                        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.

                        #251130
                        swwchris
                        Participant

                          The approach generally taken by insurance companies is that if there is signage warning of a flooded road or risk of flooding they will NOT pay out. Otherwise they will.

                          Obviously it goes without saying that its important to get some photos of the approach to where the flooding occurred to help with proving there was no signage (much easier these days with phone cameras and dashcams).

                          Also I should say that there will always be the exception to this rule to prove me wrong!!

                          #251131
                          kezo
                          Participant

                            The common sense idea, is you should stop, get out and try to guage the depth of the water. If in doubt turn around and go another route, especially if your not familiar with the area

                            If you choose to proceed, enter the water in a low gear, idealy 1st or 2nd at crawling pace. Speed up to 5mph once you have entered creating a bow wave, the exhaust gasses will stop the water entering your engine and remember a foot of water is enough to float your car down stream. Keep that engine rev’s high even slipping the cluch high and what ever you do do not stall.

                            If in doubt fit a snorkel, a back flow device or raised exhaust extention 🤣

                            #251133
                            kezo
                            Participant
                              #251134
                              Adrian
                              Participant

                                First hand experience here.

                                Yes they’ll fix it (new engine), or write it off, new car.

                                No I wasn’t in the car, yes the driver has a new found fear of puddles.

                                I’m sure they keep a record but it didn’t impede me getting a new car on the scheme.

                                "Come on BYD Seal!"
                                #251140
                                Djw38uk
                                Participant

                                  I think most companies will pay if you’re unlucky enough for it to happen when not in the car.

                                  My question was more if you cause it by driving through floodwater.

                                  #251144
                                  Adrian
                                  Participant

                                    Yes I wasn’t driving, it was being driven by my significant other

                                    "Come on BYD Seal!"
                                    #251153
                                    Buzz
                                    Participant

                                       

                                      A lot of flood water could be avoided if the authorities dredged the rivers and maintained ditches. Also there doesn’t seem to be any teams of manual seasonal road sweepers anymore or even the odd lorry sweeper that kept the storm drains clear from blocking which leads to deep puddles on our roads in heavy rain.

                                       

                                      If floods on our roads weren’t bad enough, most of us on a good day spend a lot of time trying to avoid pot holes. Why is there enough tarmac to make speed humps, but not enough to fill the pot holes?

                                      #251173
                                      Glos Guy
                                      Participant

                                        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.

                                        #251176
                                        kezo
                                        Participant

                                          If floods on our roads weren’t bad enough, most of us on a good day spend a lot of time trying to avoid pot holes. Why is there enough tarmac to make speed humps, but not enough to fill the pot holes?

                                          Good point!

                                          I actually passed a grid sucker lorry and a dinky toy road sweeper today on the same road.

                                          #251180
                                          Glos Guy
                                          Participant

                                            Why is there enough tarmac to make speed humps, but not enough to fill the pot holes?

                                            I ruddy hate speed bumps. I have an abscess in the small of my back at present and yesterday I had to drive along a road that had loads of speed bumps. Going over every single one of them caused me pain and it made me think how problematic they must be for people with permanent spinal issues. I also feel really sorry for people who have them outside their houses, with the constant noise of vehicles bumping over them, especially lorries and trucks with loose loads.

                                            The lack of attention to pot holes is supposedly symptomatic of funding challenges, yet local authorities can somehow always find money to install traffic management schemes that seem to do nothing but irritate people and make life harder for individuals and businesses.

                                            #251207
                                            Fastbike1000
                                            Participant

                                              If you need to go in water get one of these 😁.

                                              • This reply was modified 2 months, 3 weeks ago by Fastbike1000.
                                              #251213
                                              Adrian
                                              Participant

                                                I think if it was on the lorry then it might have been ok crossing the puddle 🤔🤭

                                                For context she followed someone through and someone came the other way at the same time causing something of a bow wave. Car was only 6 months old at the time but went on to be one of my favourite cars.

                                                Except for the wheels but that’s another story.

                                                "Come on BYD Seal!"
                                                #251215
                                                kezo
                                                Participant

                                                  I think if it was on the lorry then it might have been ok crossing the puddle 🤔🤭 For context she followed someone through and someone came the other way at the same time causing something of a bow wave. Car was only 6 months old at the time but went on to be one of my favourite cars. Except for the wheels but that’s another story.

                                                  The idea is to drive through slowly creating a small bow wave, which pushes the water away from you. Drive to fast, the risk of creating a large bow wave, which has the potential to either come back at you or the wake has the potential of creating an oncoming wave to the person driving behind. Vehicles comming in both direction at the same time has the potential of flooding the smaller vehicle.

                                                  Think of shipping as ahip pushing the the water and effect of the wave created by its bow and wake waves behind the ship send smaller boats bobbing all over the place.

                                                  #251216
                                                  Adrian
                                                  Participant

                                                    I was not, and cannot stress this enough, not in the car 😂

                                                    "Come on BYD Seal!"
                                                    #251224
                                                    Fastbike1000
                                                    Participant

                                                      A bow wave will, yes,  push water away but its main help is causing a trough in the engine bay which helps to keep water out of the electrical/air intake components. If the depth of the water is up to grill level and you can get the speed right it will lower the water level in the engine compartment considerably.

                                                      The main problem when wading through deeper water especially small lighter cars is traction. If the water is really deep usually the back end will start to float first, then the driver will back off the driver then loses momentum, engine bay then floods.

                                                      #251225
                                                      kezo
                                                      Participant

                                                        I was not, and cannot stress this enough, not in the car 😂

                                                        I understood, you were not in the car at the time 🤣

                                                        About 5yr ago a fiat 500 from memory overtake the cars wanting to turn around, not wanting to go under a railway bridge, where the road dipped and was flooded. In splashed the Fiat 500, the funny bit, once it got under the bridge the car started to float and proceeded to hit the footpath railing the other side of the road. What made it even funnier is, all the college kids who were out at the time started to take pics and video the poor muppet in the car!

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