You’ll need a comprehensive car insurance policy if you’re looking for flood cover - third-party policies usually exclude it.
It depends on what level of cover you have for your car insurance.
You’ll need a fully comprehensive policy to be able to claim for flood damage and even then, you’ll need to check your terms and conditions to see if you’re covered.
Flood damage insurance will typically cover repairs to your car, including your stereo, upholstery and carpets.
Your other belongings in the car might be covered. If they’re not, check your home insurance policy - they could be part of your personal possessions cover.
You won’t find flood damage cover on a third party, fire and theft policy.
These are two types of flood damage insurance; avoidable and unavoidable.
Avoidable flood damage applies to things like deliberately driving through a large body of water.
An insurer might decide not to pay out for this as it’s considered reckless behaviour.
Unavoidable flood damage could cover your car being damaged by flood water while it’s parked at home.
In this case, your insurer would be more likely to consider your claim as you had no control over the situation.
“Drivers might be swayed by cheaper, third-party policies but it’s vital they understand what’s included in their cover, especially if they’re at risk of flood damage.”Matt Oliver, motoring expert at GoCompare