Floods and car insurance

JohnM20 replied on 11/11/2019 09:18

Posted on 11/11/2019 09:18

Watching on TV, cars driving through flood water, including areas where it was obviously very extensive and possibly very deep in some places, made me wonder about insurance. If a driver decides to drive through the water and then gets stopped part way through, probably having to abandon the vehicle, would their insurance company pay out? 

If a car is parked up,say overnight, and the flood waters rise suddenly and engulf the vehicle I would thing the owner has a good claim but for if the owner knowingly and willingly drove into water of an unknown depth I think it would be a totally different matter.

Rocky 2 buckets replied on 11/11/2019 11:10

Posted on 11/11/2019 10:59 by

It looked if it might have got through driven with caution

Posted on 11/11/2019 11:10

Not so much this one mind-

replied on 11/11/2019 11:14

Posted on 11/11/2019 11:14

When I was about 17 my wife to be was driving her dads car. Don't think that she had driven it before I think she had not long passed her test and would have been 18. She was driving, with me in the car, along some country roads. I said to her that she had best slow down as there was likely to be floods around the next bend. Told her twice! Did she take her foot of? No. 

The car was an Austin 1100. She hit the predicted flood at speed and car surfed nicely as far as the middle of the deepest section and then seemed to sink down into the water. I got out in bare feet and trousers rolled taking care not to splash the water lapping just below the door. I pushed the car to where it was only mid shin deep. I opened up the distributor and dried it, took plug leads off plugs to make sure that they were dried, wiped plugs and put the leads back. As I was putting the final leads back I stupidly said 'When I say you can try and start'. As I got a belt from the coil all the way to my jaw my next words were 'No fear when I say'. laughing

Takethedogalong replied on 11/11/2019 11:22

Posted on 11/11/2019 11:22

πŸ˜‚ we have had a few 1100’s and 1300’s. Now they would go again.....😁

replied on 11/11/2019 11:30

Posted on 11/11/2019 11:22 by Takethedogalong

πŸ˜‚ we have had a few 1100’s and 1300’s. Now they would go again.....😁

Posted on 11/11/2019 11:30

I think if she had driven 20 mile an hour faster we might have surfed across with that flat floor panel

Rocky 2 buckets replied on 11/11/2019 13:53

Posted on 11/11/2019 11:53 by Takethedogalong

Ah, but the rust would have got you at a later date.....πŸ˜‚

Posted on 11/11/2019 13:53

One of the upsides of owning a 4x4 is the fact they’re designed to go thru water to a degree more than std vehicles. Knowing of the bow wave effect helps tooπŸ‘πŸ»πŸ˜Š

replied on 11/11/2019 14:43

Posted on 11/11/2019 13:53 by Rocky 2 buckets

One of the upsides of owning a 4x4 is the fact they’re designed to go thru water to a degree more than std vehicles. Knowing of the bow wave effect helps tooπŸ‘πŸ»πŸ˜Š

Posted on 11/11/2019 14:43

I have seen a numpty in a discovery fail in a depth of about half way up his tyre. No idea what the wading depth is but thought that it was above tyre height. Well if you drive fast enough in water you will definitely stop.

Takethedogalong replied on 11/11/2019 15:38

Posted on 11/11/2019 13:53 by Rocky 2 buckets

One of the upsides of owning a 4x4 is the fact they’re designed to go thru water to a degree more than std vehicles. Knowing of the bow wave effect helps tooπŸ‘πŸ»πŸ˜Š

Posted on 11/11/2019 15:38

Yup. I took on a very large puddle on Friday. I waited until my exit was clear (didn’t want to get caught behind a numpty), told Mum to hang on, and got that lovely shove you give water up front. We had no problems......those in the other lane however.......πŸ˜‚

All that practice in the fords on NY Moors down the years helped. My OH taught me all about 4x4 driving as soon as I passed my test. 

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