Floods and car insurance

Without actually experiencing that level of stupidity I think insurance has a negligence clause, as in if a person knowingly were negligent it allows the insurance company to refuse part of the claim. I’ve read it & heard about it but I have no empirical evidence. It does sound fair too👍🏻

When driving solo from the High Onn site about 8 years ago there were a lot of floods. It is not always easy to know the flood depth if you can't see any road in the flooded sag curve in front. Before driving through one such section I carefully considered the likely depth by assessing the Post Office van that was abandoned in about the middle. 

There was plenty of negligence shown round here starting Friday. Astonishing just how unthinking some folks are with their vehicles. Lemmings following nose to tail, one got stuck, they are all stuck. And then the water started to get deeper.......and deeper.......and deeper. That was Meadowhell for most of Friday, folks wading out to safety, everything on total shutdown. 

Edit Someone goes for it........and fails miserably https://www.google.co.uk/search?q=meadowhall+floods+2019&client=safari&hl=en-gb&prmd=nimv&source=lnms&tbm=isch&sa=X&ved=2ahUKEwjf0omc9-HlAhXARxUIHcvzDb4Q_AUoAnoECBAQAg&biw=1024&bih=666#imgrc=ffRqjiHUVDZjmM

The ford in this picture has warning signs. So could be an interesting claim.

 I like the video on this link. About 10 seconds in it demonstrates the wisdom of your words

https://edition.cnn.com/videos/world/2019/11/08/sheffield-floods-uk-jba-lon-orig.cnn/video/playlists/around-the-world/

Yes, it’s the same one in my link ET. It demonstrates the classic not looking beyond the bonnet end driver. 

What’s highly amusing, is that a lot of the drivers share a common theme.......Vorsprung Durch Technik, if you get my drift.....😂

I rest my case....

And again...

Yup, the ones who believe red traffic lights/give ways/no overtaking/disabled parking et al are for mere mortals😂😂

It looked if it might have got through driven with caution