Most people know that Comprehensive Car insurance will in the main, reimburse you for damage to your vehicle irrespective of whether it was your fault.
Most people also know that Third party Fire and Theft will only reimburse you if your vehicle is stolen or subject to theft/attempted theft.
Recent research by uSwitch.com however revealed that one in four motorists living in flood risk areas have yet to learn this lesson and continue to insure their vehicles on a Third Party Fire and Theft basis.
Motorists with Third Party Fire and Theft Insurance policies that live in flood risk areas should give serious consideration to upgrading their car insurance policies to Comprehensive.
Ashton Berkhauer, insurance expert at uSwitch.com, said:
“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.”
Even comprehensive insurance policy holders should not sit back and relax however. You still need to be careful and ensure you fully understand your policy cover. For example, some policies may not pay for breakdown damage to your vehicle if you drive through flood waters so check with your insurer to be sure.
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