ChatterBank1 min ago
WAter damage to car
Due to the previous wet weather I discovered water in the passenger footwell of my car. It has now been determined that the drain hole frome the bulkhead which allows surface water from the screen etc.was blocked by leaf debris. This build up of water has caused damage to the electrics of the car. Is this somwthing that I would be covered for under my comprehensive insurance?
Category C and Category D Registered Cars
Category C and Category D Registered Cars
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Possibly not.
Most policies will have a condition excluding component/mechanical failure, and it's possible your's would fall within that remit.
However, it's a grey area at times. For example, if an electrical fault sets fire to a car, we'd cover the resultant damage, but not the cause (a bit dull, but there you go). I think each case is taken on it's own merits though.
So in your case, it's POSSIBLE that the resulatant damage (i.e. blown electrics), but not the leak itself
Most policies will have a condition excluding component/mechanical failure, and it's possible your's would fall within that remit.
However, it's a grey area at times. For example, if an electrical fault sets fire to a car, we'd cover the resultant damage, but not the cause (a bit dull, but there you go). I think each case is taken on it's own merits though.
So in your case, it's POSSIBLE that the resulatant damage (i.e. blown electrics), but not the leak itself
1 to 2 of 2
