Recent weeks have been dramatic with reports of incredible storms, with extreme winds and flooding. Amid multiple weather warnings it can be easy to become desensitised to the danger, but it is vital that road users head warnings and make sure that they stay safe on the roads. Here’s what you need to know.
Review Your Insurance Coverage
Whether you've previously experienced storm-related vehicle damage or emerged unscathed, it's wise to anticipate the likelihood of more storms in the coming year. If in doubt, check your insurance cover, especially if you are planning on going on a trip during particularly bad weather.
Exclusions in Storm Damage Coverage
Most comprehensive insurance policies typically cover vehicle damage, regardless of fault. However, if you currently hold a third-party insurance policy, it's unlikely to provide coverage for storm damage. Remember that insurers will do their best not to pay out, particularly if they can prove that you are at fault in some way. This means that if weather warnings advise against travel due to high winds and floods, your insurer may decline coverage for damage resulting from disregarding these recommendations. Similarly, if you ignore flood warnings and your vehicle sustains damage as a result, your insurers might reject your claim.
Exercise Caution and Stay Informed
Severe weather conditions demand serious attention, and your safety, along with that of other road users, should be a top priority. If weather warnings are in effect or if you feel uneasy about driving in adverse conditions, it's best to avoid taking unnecessary risks.
Preventing Storm Damage to Your Vehicle
In addition to refraining from venturing out during hazardous weather, there are a few proactive measures to protect your car from storm-related harm. If you have access to a sheltered parking area, take advantage of it. Otherwise, avoid parking beneath trees or near objects that may produce flying debris. Lastly, steer clear of parking near rivers or flood-prone areas.
Consider Repair Options
If your vehicle sustains minor scuffs or chips due to storm damage, the potential excess and loss of a no-claims bonus could make claiming on insurance financially unviable. Before making a decision, consult with a local bodywork specialist or garage for a repair quote.
Remaining Vigilant After the Storm
The risk of adverse weather doesn't end when the storm passes. Be attentive to debris on the roads, emerging potholes, and lingering flooding that could damage your vehicle after the storm has passed.