Does Insurance Cover Full Compensation for Flooded Vehicles?

[Geoffrey]

First, you need to have purchased vehicle damage insurance to be eligible for full compensation. Below is an introduction to compensation after a vehicle has been submerged in water: 1. Engine damage caused by driving through water: If the engine is damaged due to driving through water, and if you have purchased water ingress insurance, the engine will be covered under the insurance policy. If you have not purchased water ingress insurance, the insurance company will only cover the cleaning costs, and engine repair expenses will not be included in the insurance coverage. 2. Vehicle damage insurance: Vehicle damage insurance is the primary coverage, while water ingress insurance is a derivative policy. The full name of water ingress insurance is 'Engine Damage Insurance Due to Water Ingress Driving,' which means that during the insurance period, if the insured vehicle is damaged due to improper operation after driving through water or being submerged, the insurance company will provide compensation within the coverage limits. To add water ingress insurance, you must first have vehicle damage insurance.