Insurance, protection, flood advice
If you’re unlucky enough to be caught in a flood and your car has been immobilised,first seek the safety for your self and your passengers. Do not worry about your car or your possessions
A flooded car is not an everyday occurance and therefore create several unique problems
What should I do if my car is flooded and I am forced to leave it in the street?
If possible remove all articles of value, contact the Zurich first response unit and report the accident circumstances, e.g. level of water immersion and is the vehicle causing an obstruction.
Back to top
Is it safe for me to run the vehicle that has been flooded and needs to be moved out of the street an access point?
If it is likely that water has been ingested into the engine, do not attempt to start the vehicle, contact the Zurich first response unit and report the accident circumstances. Explain that the vehicle needs to be moved as soon as is practicable, Zurich will arrange recovery.
Back to top
My car is in my garage and it is flooded, what should I do?
Remove all personal possessions, contact the Zurich first response unit, they will arrange to recover the vehicle.
Back to top
If my vehicle has been damaged as a result of a flood will I be entitled to a courtesy vehicle?
Dependant upon your policy you maybe entitled to a courtesy vehicle either for the duration of the repair period if the vehicle is repairable, or in the event of a total loss you maybe entitled to a courtesy vehicle for a period of between 4 and 5 days
Back to top
If my vehicle is deemed to be a total loss, how soon will the claim be settled?
After inspecting the vehicle, Zurich will endeavour to settle the claim as soon as is practicable. Most claims will be settled within a two week period after the initial inspection of the vehicle by a Zurich engineer.
Back to top
Is the flood water likely to be contaminated?
As a precaution all flood damaged vehicles are treated as if the flood water is contaminated, as a result of a physical inspection and perusal of the flood circumstances, the inspecting engineer will determine whether or not the flood damage includes contaminated water.
Back to top
If after making a claim from Zurich for flood damage, which as a consequence has meant that the vehicle had been dealt with on a total loss basis, will I be able to insure a replacement vehicle with Zurich?
Zurich will assess the risk and will quote a premium associated with the risk.
Back to top
