Water damage

And it won't *just* be the OP who will be paying increased insurance premiums next year for flood damage - it will be everyone, you, me....and all of the other people who drive accordingly in flood conditions.

I think resulting "driving into flood damage" should be excluded from insurance policies. Might encourage some people to be a little more careful.
 
iaind said:
Oh I see. A 6 month old golf is worth double that - they'll fix it I reckon
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I'd tend to agree aslong as no water entered the cabin/dash/electrical areas - as these items can give endless trouble in the future if they have got wet and subsequently dried - it is then the insurer will declare the car a total loss.
 
Dave L said:
And it won't *just* be the OP who will be paying increased insurance premiums next year for flood damage - it will be everyone, you, me....and all of the other people who drive accordingly in flood conditions.

I think resulting "driving into flood damage" should be excluded from insurance policies. Might encourage some people to be a little more careful.
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Same could be said about house insurance. I pay my premiums and never been flooded
 
I would be surprised if the insurance company pays out.

My brother inlaw works for Audi and at their dealer ship they have had 6 cars in one week all with the engine flooded and once they confirm to the insurance company their is water in the engine they will not pay out.
 
The six they had in on the week upto Christmas Day all had driven through water and claimed on insurance.

Cars taken to Audi dealer, they find engines etc full of water insurance company doesn't pay out.
 
Is that definitely insurance jobs or is it perhaps daft people taking cars in under warranty saying 'my engine just stopped, dont know why'?

Would make more sense for warranty underwriters to tell people to get bent for water damage but not so much for insurance.
 
A friend of my father managed to kill the engine on his then 3 year old Fiesta XR2, he'd removed the air filter & housing to clean up the engine using "Gunk" and , following the instructions on the can, used a garden hose to wash off the engine...

He figured for some bizarre reason that it was best to do this with the engine running at a fast idle, with the throttle wedged, sure enough, he managed to get enough water into the air intake to break a con rod!

Claimed on his insurance & they paid out for a new engine!

It was a stupid thing to do, but a fault claim none the less.

He still has the XR2 to this day, it's immaculate, but I imagine he's a bit more careful around the engine bay when cleaning it! :D
 
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Dave L said:
I'd tend to agree aslong as no water entered the cabin/dash/electrical areas - as these items can give endless trouble in the future if they have got wet and subsequently dried - it is then the insurer will declare the car a total loss.
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Remember when one my cars went into the sea while putting a boat in,,,(It Happened because the Handbrake was only connected to the front wheels)

The water got into the steering rack and other steer joints so the steering started going really hard after a few weeks
 
Just an update insurance was ok vw rang me and should hopefully have the car back Monday or Tuesday with new engine and turbo. I shall be avoiding puddles from now on
 
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