Will the insurance company compensate for water leakage from the vehicle sunroof?
2 Answers
Whether water leakage from the car sunroof leading to interior flooding is covered depends on the specific cause. Compensation is provided if the rainfall reaches storm level; otherwise, it is not covered. According to Article 6 of the model clauses, insurance can cover claims if the rainfall intensity reaches storm level. The definition of a storm is rainfall exceeding 16 millimeters per hour or 30 millimeters over 12 consecutive hours. If the cause is human error, the insurance company will not compensate. The insurance purchase benefits are as follows: There are some discounts for vehicle insurance renewal. Vehicles without claims in the previous year receive a 30% discount, while those with claims receive a minimum discount of 15%. Owners without claims in the previous year can enjoy certain premium discounts upon renewal, while those with frequent claims or high compensation amounts may face varying degrees of premium increases based on actual circumstances. If a vehicle has no claims for one year, a 10% premium discount is available for the second year's renewal. If there are no claims for several consecutive years, the maximum premium discount can reach around 30%.
Whether the insurance company covers sunroof leaks depends on the specific situation and the terms of your policy. If it's caused by an accident, such as hail damaging the sunroof or a collision breaking the glass and allowing water in, then the comprehensive coverage usually applies, and you can file a claim. However, if it's due to normal wear and tear or lack of maintenance—like damaged seals or clogged drainage holes—insurers typically won't cover it, as these aren't considered accidental risks. I've seen many cases like this. My advice is to first check your policy or call customer service to confirm coverage. If covered, remember to take photos as evidence before reporting the claim. Also, don’t underestimate sunroof leaks—pooled water can corrode wiring or seats, leading to repair costs that may run into thousands. Address it promptly to save money and hassle. For prevention, regularly clean the drainage tubes; a quick blast with an air gun does the trick—don’t skip it.
