Can vehicle damage insurance cover water damage?
2 Answers
Vehicle damage insurance can cover water damage. Non-covered situations during annual inspection: Driving under the influence, driving without a license, or driving without an annual inspection are not covered. The driver does not qualify to drive on the road and seriously violates traffic regulations. Additionally, if the driver's license does not match the vehicle type or if driving on highways during the probationary period, the insurance company will also refuse to compensate. Damage caused after water ingress is not covered: Insurance companies consider that if a vehicle is driven into deep water and the engine stalls, and the driver forcibly attempts to restart it causing damage, this constitutes improper operation and is not covered under the insurance policy. According to the vehicle damage insurance clause, compensation applies to situations such as vehicle submersion due to garage flooding, damage from extreme weather like hailstorms, or damage caused by falling trees or rocks due to heavy rain.
Yes, whether the car damage insurance covers water ingress depends on the situation. Having studied insurance for many years, I can say that car damage insurance mainly covers losses caused by accidental incidents. If the water ingress is due to natural disasters like heavy rain or floods, the insurance company will usually compensate. However, if it's caused by human factors, such as driving into a deep puddle or parking incorrectly leading to submersion, the claim might be rejected. The key is to carefully review your insurance policy, as it contains specific exclusion clauses. In case of water ingress, immediately take photos for evidence and report to the insurance company to avoid delays affecting the claim. Preventive measures are also essential—try to avoid parking in low-lying areas during the rainy season. Always choose reputable channels for repairs to prevent future issues.
