Ah, the great British summer. You know the story. One moment we’re baking in over 30 degrees of sunshine, the next it’s a scene that resembles Hades, and we suffer from downpours, floods and pouring, endless rain.
Yes, last weekend most Brits said goodbye to the summer heat wave and instead dealt with endless rain and flooding. In some places in Britain, such as Wales, almost biblical amounts of the wet material fell in just a few days. Many main roads and motorways have now come to a standstill thanks to flash floods.
In the southeast, particularly in Kent and Essex, many major roads have been closed due to flooding and Canterbury fell 24.1mm of rain in just one hour last weekend.
But I hear you ask, what does that have to do with car insurance?
Well, pretty much how it happens.
Not only can these sudden downpours and flash floods leave drivers stuck for hours (or even days) waiting for them to subside. Also, they may not be aware that driving in very wet conditions can void your car insurance.
How? Of course, driving in the wet is not without great danger. A wet road is a slippery road that can quickly turn conditions into something similar to driving on ice.
Of course, if you get caught in a pouring rain, slowing down and increasing the braking distance is a breeze. If you are involved in an accident caused by skidding in the wet and the insurers determine that you have not slowed down as a precaution, this may result in an insurance claim that you have made being rejected. Not only that, but if the courts believe you have driven dangerously, you could also be punished with a fine, points on your driver’s license, or in extreme cases of dangerous driving that results in death or injury, even a prison sentence which in extreme cases can be up to 14 years. Just for a little stupidity in wet weather. Not a risk we’d like to take.
If you are involved in a flood and you take the risk of running through your engine and flooding it, your insurance claim may not be accepted. As little as two feet of water is enough to flood the interior of most vehicles and potentially carry the car away.
If you make the mistake of driving through high water, it is recommended that you turn the engine off and not restart it for some time to allow it to dry out completely. Professional cleaning may be required to restore normal condition.
The simple answer: if you know there is a risk and you don’t have to travel, don’t go. This is not rocket science. To the sun that will come back soon!
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