While rain and wind alone aren't enough to invalidate your policy, if the insurer decides you took an unnecessary risk - for example driving through a puddle when you didn't know how deep it was - it might not pay out. And the problem is only made worse after months of lockdown where people have spent long periods not driving at all. “When there’s lots of rainfall roads quickly become flooded. Six inches of water is enough to reach the bottom of most cars which can cause potential loss of control and stalling. "It’s always best to avoid driving into flood water, as you never know how deep it may be, and if you take a risk you may not be covered by your insurance for any damage caused.

Source: Daily Mirror August 13, 2020 13:46 UTC