insurance - flodding

  • Thread starter Thread starter Ish
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Ish

Ish

Ish

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Hi

What's the deal with fully comp car insurance with regards to flooding?

I can't really see anything in my policy booklet and the calims dept are closed.

Basically I drove through some water which was a lot deeper then it looked and water got into the engine via the air filer inlet. :( It has been raining really heavily today.

The engine will turn over once and then 'lock'. Their is a good chance that the engine is scrap. It's 52 plate Mondeo TDCi.

Does insurance cover this damage?
 
Yes it does , my friends Passat got a new engine fitted because of this, it was the Garage that told him to claim, that was in the last floods we had 2 years ago in brum
 
Ish said:
I'm sorry but I only want useful advice!
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Probably is the most useful advice if you wanted money (whilst committing insurance fraud, of course).

I don't think the insurance will pay out anything for that, as it wasn't flood damage, it was the fact you drove it into a deep deep puddle which resulted in the engine dying.
 
As said, this isnt really something that would be covered is it? Surely this is the same as any other breakdown?
 
It is Jez , my friends got took to Birmingham Volkswagen, who said Its £3k for a new engine, he was told to claim on insurance and they paid up, btw he is plod so there was no funny business
 
Wow, i wouldnt have even thought about insurance in this situation. Nice to know that if it did happen there could be an avenue to go down. Maybe when my engine hits 200k miles or so i will do this and get a new one FOC :D
 
Bit of a mine field.

Did you have the car recovered by your insurance companies approved contractor? If you drove away or got it recovered by other means, you may have trouble claiming.

Some cars require only a few inches of water to cause significant damage: water sucked into the air intake components can cause serious engine damage and catalytic converters may crack if submerged - so if in doubt, don't drive through floodwater
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Note don't drive through floodwater
 
Pinter75 said:
Bit of a mine field.

Did you have the car recovered by your insurance companies approved contractor? If you drove away or got it recovered by other means, you may have trouble claiming.



Note don't drive through floodwater
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It was recovered by the AA.
 
quite suprised that there is a possibility to claim of the insurance company! bonus if you can :]
 
Your cylinders are probably full of water which can't be compressed, which is stopping your engine from turning over.

Take out all your sparks plugs (make sure to remember to number the ignition leads, so you know which one goes where) turn the engine over to clear the water from the cylinders.

If it still doesnt turn over with all the plugs out, then it's most likely borked.
 
fergie666 said:
Your cylinders are probably full of water which can't be compressed, which is stopping your engine from turning over.

Take out all your sparks plugs (make sure to remember to number the ignition leads, so you know which one goes where) turn the engine over to clear the water from the cylinders.

If it still doesnt turn over with all the plugs out, then it's most likely borked.
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its a tdci so no plugs

not sure what you have to remove in a diesiel injectors is it ?
 
It will be covered. No different to accidental damage caused by driving into another car you didn't realise was there.
 
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