Does Car Insurance Cover Water Damage?
Car Insurance

Does Car Insurance Cover Water Damage?

No one can foresee accidents. Natural calamities like floods or landslides can severely damage your cars. Of course, you would be devastated if your car gets severely damaged in natural calamities like floods. Does car insurance cover water damage? Let us find out.

Does car insurance cover water damage?

Whether or not your car insurance covers water damage will always depend on the package you have opted for. This will vary accordingly.

Comprehensive car insurance policies cover certain types of vehicle water damage depending on the cause. For example, if your vehicle is damaged by hail or flood, comprehensive coverage pays for repairs or replacements; water damage due to maintenance issues. However, if the flooding in your car has been caused due to a human error, then the insurance company might not fund you for it. Go through the terms and conditions of the policy before carefully.

Fully comprehensive insurance can be purchased from an insurance company. It is usually bought as an add-on. It covers damages and protects your vehicle from natural calamities as well. Full coverage is usually optional, but the car insurance claim will help you prevent a total loss. If you have a car loan, you can talk about it with your lender.

Is Water Damage from hail storms covered by Comprehensive Insurance?

Generally, comprehensive car insurance can protect your vehicle from hailstorms. It covers repairs and replacements of damaged parts of the car which have been severely affected by the hailstorm. Water damage can annoy any car owner, but comprehensive coverage can help you pay for it. If your vehicle is damaged by hail, your insurance company can help you clarify your coverage and find a suitable insurance claim for you.

Is Flooding Covered by Comprehensive Insurance?

In the event of a flood, the rising water level caused by heavy rain can enter the engine and vehicle interior and cause serious damage. As Mechanics explains it, during heavy rain, imperfect sealing of windows, doors, and skylights can allow water to enter your vehicle. A total loss occurs when your insurance company decides to replace the whole car and compensate you with something similar to its worth. This could usually happen if the submerged car is damaged.

Flood damage is usually covered in a comprehensive car insurance policy. If your vehicle is damaged by flood, comprehensive insurance can help pay for the replacement vehicle at amortized cost. It will help you provide better refunds or repairs of parts of the damaged car.

Does my car insurance cover flood damage?

Usually, your insurance company would urge you to buy a comprehensive car insurance package with additional add-ons such as engine protection and so on. Check with your insurance company and enquire if your package includes them on not.


Comprehensive car insurance covers losses incurred by accidents and natural calamities such as floods, hurricanes, hailstorms, etc. However, this policy does come with exclusions as well. For example, engine protection comes with additional add-on pricing. The damage to the engine while attempting to start a car that is submerged under the flood will not be accepted in the Comprehensive Car Insurance.

Generally, the policies vary for various insurance companies. Therefore, make sure you go through all the detailed terms and conditions of the policy before applying for one. Call your insurer and claim the details of the comprehensive coverage for your car.

Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.

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