09/03/2026
Flood-Damaged Vehicles: What Motorists Need to Know About Insurance Claims.
Following the heavy rains and flooding experienced on Friday, many motorists have unfortunately found their vehicles submerged or damaged by floodwaters. If your vehicle was affected, it is important to understand what steps to take and what your insurance policy covers.
1. If You Have Comprehensive Motor Insurance
Motorists with **comprehensive cover** may be able to claim for flood-related damage under the policy section commonly known as **Special Perils**. This extension typically covers damage caused by natural events such as floods, storms, earthquakes, and other similar occurrences.
Floodwater can cause serious damage, including:
• Engine damage due to water ingress
• Electrical system failure
• Interior and upholstery damage
• Body and structural damage
**What you should do immediately:**
1️⃣ **Do not attempt to start the vehicle** if it has been submerged or exposed to floodwater. Starting the engine can cause further damage and may complicate the claim.
2️⃣ **Notify your insurance company or broker immediately.** Early notification allows the insurer to register the claim and guide you through the next steps.
3️⃣ **Document the damage.** Take clear photographs and videos showing the vehicle condition and surrounding flood situation if possible.
4️⃣ **Arrange towing if necessary.** Most insurers will require the vehicle to be taken to an **approved garage or assessment center** for inspection.
5️⃣ **Await assessment.** The insurer will appoint an assessor to evaluate the damage and determine the repair process.
**2. If You Have Third Party Only Motor Insurance**
Motorists with **Third Party Only cover** should be aware that this policy **does not cover damage to your own vehicle**. Third party insurance only protects you against **liability for damage or injury caused to other people and their property**.
Unfortunately, flood damage to your own vehicle is **not payable under a third-party policy**.
In this situation, motorists may consider the following options:
• **Self-financed repairs** at a garage of their choice
• **Appealing for assistance from government disaster relief programs** where such support is available
• Seeking community or employer assistance where applicable
**Important Reminder for Motorists**
Flooding is increasingly becoming a seasonal risk in many parts of the country. Motorists are encouraged to review their insurance cover and consider **comprehensive protection with Special Perils cover** to safeguard their vehicles against natural disasters.
Insurance is designed to protect you not only from accidents, but also from unforeseen events such as floods.
If you are unsure about your cover or need guidance on the claims process, consult your insurance intermediary or insurer for professional assistance.
Stay safe and avoid driving through flooded roads whenever possible.
For more information on Floodswatch:
VISIT US HERE:WEBSITE: https://www.insuranceworldtv.co.ke/ YOUTUBE: https://www.youtube.com/channel/UCGTOzy5mwFZjlKqGLx...
