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glos_robin
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« on: Friday, July 20, 2007, 23:08:42 » |
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Well my car is full of water, our house is starting to fill with water ..........this is so fucking shit its unbelievable.
Does anyone know if flood damage is covered on fully comprehensive car insurance as my car is on the driveway also filling up with water?
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axs
naaarrrrrppppp
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« Reply #1 on: Friday, July 20, 2007, 23:10:23 » |
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shit, sorry to hear that. i assume fully comp means just that doesn't it? especially if it's on your property and not somewhere random?
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glos_robin
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« Reply #2 on: Friday, July 20, 2007, 23:14:25 » |
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Yeah but the area has never flooded before, am worried they pull out the old act of god shit
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axs
naaarrrrrppppp
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« Reply #4 on: Friday, July 20, 2007, 23:16:00 » |
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i think you should be covered but might lose no claims bonus etc
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glos_robin
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« Reply #5 on: Friday, July 20, 2007, 23:17:15 » |
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If I lose my no claims bonus then the insurance on my new car would be shocking so would have to find another way to fix any damage
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axs
naaarrrrrppppp
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« Reply #6 on: Friday, July 20, 2007, 23:18:34 » |
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guess the only way is to call the insurer and find out for certain, they all have their own terms and conditions. it's probably on the website, can look it up for you if you want.
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glos_robin
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« Reply #7 on: Friday, July 20, 2007, 23:24:43 » |
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I'm with elephant and had a look around and couldn't find anything, cheers though mate. Its July and the biggest floods I've ever seen, the weather has gone mad
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axs
naaarrrrrppppp
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« Reply #8 on: Friday, July 20, 2007, 23:37:59 » |
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doesn't say anything in the policy about not covering flood damage and if you no have a no claims protection policy then you should be fine.
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herthab
TEF Travel
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« Reply #10 on: Saturday, July 21, 2007, 05:31:31 » |
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We've had hardly any rain down here in Somerset.
Most of the footage on tv shows new houses flooded.
I think developers have got a lot to answer for............
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It's All Good..............
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Batch
Not a Batch
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« Reply #11 on: Saturday, July 21, 2007, 07:53:47 » |
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Ah shit glos_robin, sorry to see that happen. It's going to take time but at least it's all fixable/insured. As already said, I would imagine the car insurance will be fine. I think the 'act of god' clauses are long gone, but like already said it will probably effect your NCD - if the NCD is protected then you will have an excess to pay and probably a higher insuance premium next renewal  House buildings/contents insurance will be an excess to pay and a possibly higher premium next time. They covered us for out washing machine leaking and destroying lino/chipboard floor so you should be fine here too. |
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Matchworn Shirts
For Sale
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« Reply #12 on: Saturday, July 21, 2007, 08:19:33 » |
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I think developers have got a lot to answer for............
indeed, they build houses but mainly flats on any land they can find ASAP, surely the drainage cannot be done 100% correctly in such short time periods. But such is the demand for housing that this urge to build as many flats as soon as anywhere may not help |
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Samdy Gray
Dirty sneaky traitor weasel
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« Reply #13 on: Saturday, July 21, 2007, 09:20:59 » |
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All the new houses at Priory Vale in Swindon are built on a flood plain, I imagine quite a few of them got flooded out yesterday.
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TalkTalk
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« Reply #14 on: Saturday, July 21, 2007, 09:24:48 » |
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Really sorry Glos - that's shit.
Hope you sort it out quickly.
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