You are here: Home - Insurance - News -

Flood advice for motorists

Written by:

Motorists in flood hit areas could see their premiums rise by as much as 26% if they make a claim for flood damage, according to uSwitch.  

Research from the comparison site has revealed one if four motorists in flood risk areas may not be able to claim for damage as they have non-comprehensive insurance policies. It said many of those affected are young drivers priced out of the comprehensive insurance market.

However, uSwitch also claimed that even motorists with comprehensive policies could be at risk. Many policies have ambiguous clauses or exclusions, according to uSwitch. For example, if an attempt to restart a vehicle after flood damage has occurred causes an electrical or mechanical fault, the driver could unknowingly invalidate their claim.

In addition, as with any claim, affected drivers could lose their no claims discount unless an extra premium is paid to protect it. The comparison site has also predicted a hike in future premiums as insurance companies attempt to recover tens of millions of predicted claims.

Ashton Berkhauer, insurance expert at, said: “Last summer we saw widespread flooding across the country with the insurance industry forking out over £2bn in claims. Flooding is an issue for many motorists, yet too many people are failing to learn lessons from 2007 and secure adequate cover should the worst happen. If drivers do not insure their cars properly, they could suffer the financial consequences long after the flood waters recede.”

However, Berkhauer also called on insurers to provide customers with clear information relating to flood claims at the time a policy is taken out. “Motorists who live in a designated flood area really should check that their current level of cover is adequate and if they feel that their policy isn’t clear, they need to call their insurer immediately to find out what level of cover they have,” he advised.

Berkhauer issued a list of tips for vehicle-owners affected by flooding:

• Get your vehicle checked by a professional mechanic as soon as possible

• Do not attempt to drive your car before being told it is safe to do so. You could cause further damage and potentially invalidate a claim

• Contact your insurer immediately and seek their advice on the next steps to take

• Collate photographic evidence as it may be of benefit when making a claim

• If you become involved in a dispute with your insurer regarding a claim, firstly ensure that you have written to their complaints department and received a written confirmation of their intention not to pay for your claim. Once you have the reply and if you are still unsatisfied, contact the Financial Ombudsman Service in writing, by telephone, or via their website.


Tag Box




Financial fitness

There are 0 Comment(s)

If you wish to comment without signing in, click your cursor in the top box and tick the 'Sign in as a guest' box at the bottom.

Are you a first-time buyer looking for a mortgage?

Look no further, get the help you need by searching for your perfect mortgage

Which ISA is right for you? A round up of the six products available in 2017

From cash to innovative finance to lifetime, here's our guide to the ISA products available to savers this yea...

Guide to buy-to-let tax changes

In late 2015, former Chancellor George Osborne announced a range of  tax measures aimed at landlords, which t...

A guide to switching energy provider

All you need to know about switching from one energy supplier to another.

What will happen if rates change

How your finances will be impacted by a rise in interest rates.

Regular Savings Calculator

Small regular contributions can build up nicely over time.

Online Savings Calculator

Work out how your online savings can build over time.

Five fund tips for a 0.25% interest rate environment

With interest rates stuck at a record low 0.25% and expectations rates could fall to close to zero, here are ...

Protecting family wealth: 10 tips for cutting inheritance tax

Inheritance tax - sometimes known as 'death tax' - can cause even more heartache for bereaved families. But th...

Travel insurance: Five tips to ensure a successful claim

Ahead of your summer holiday, it’s important to make sure you have the right level of travel cover or you co...

Investing your money

Alliance Trust Plc gives you smart insight into how to invest your money

Money Tips of the Week

Read previous post:
Investors remain cautious

Despite a level of caution among private investors, the first bi-annual Great British Investor Report has revealed some signs of...