Following a storm, it’s important to inspect your vehicle at the earliest available opportunity to see if it has been damaged, and to take photographs as evidence.
Here’s the low-down on some of the most common forms of damage caused by storms:
- Engine damage: Flood water which enters a vehicle’s engine can do serious damage, often requiring costly and complicated repairs, or even causing it to be written off. While this can be a frustrating inconvenience for drivers, it’s covered by a fully comprehensive policy. This type of damage often affects parked cars that get caught in rising water. However, many instances are caused by drivers attempting to drive through a flood, which can affect a claim. Be sure to contact your insurer immediately upon discovering the damage.
- Electrics stop working: Water and electrical equipment don’t mix well, so if your car has been caught in a flood, this could affect the electrics in your vehicle, making it unusable. Similarly, serious damage to your car’s interior upholstery can cause huge inconvenience. However, this type of damage is covered by most fully comprehensive policies.
- Damage to vehicle contents: Another potential problem caused by a storm (in particular flooding) is the damage it causes to the personal contents within your car at the time. This type of damage is likely to be covered in the personal effects section, or a specific section of your policy. These sections may have a separate excess to any damage excesses that may apply. Check your policy or contact us to find out more about your cover.
- A fallen tree: Lightning or high winds can often cause trees or branches to fall on vehicles. This type of damage is typically covered by your fully comprehensive policy. However, be vigilant - if a tree located on your property falls and is found to be diseased or dead, your claim could be invalid. If the tree is located on someone else’s property, you may be able to claim your costs through their home insurance. Damage to buildings in storms can impact on your vehicle due to falling bricks or roofing tiles. However, there are some key things to remember about making a claim in this instance...