Vehicle flood damage claim denied

[Deactivated] on 12/06/2020 - 12:41
Last edited 17/06/2020 - 16:02 by 1 other user

Hi experts and arm chair experts,

Our car's experienced some water damage during the last heavy rain season. The (factory) audio components in the boot have failed. Some water got into the boot and we're thinking it was from driving through flood waters. The equipment suddenly failed whilst driving.

We've lodged a claim with the insurer and they've rejected it stating that it's a vehicular fault, as the water would have somehow gotten in when it shouldn't have. But I'm under the impression that this is flood damage.

Do I have the grounds to take this further, anything to stand on?

Thanks

Automotive

closed Comments

  • Downvoter on 12/06/2020 - 12:46
    +22

    You drove through flood waters?

  • Hithere on 12/06/2020 - 12:56
    +11

    Flood water deep enough to enter the boot of a car?

    Why were you driving through water that was deep enough to do that? That's dangerous as well as stupid.

    No wonder your claim was rejected.

  • MS Paint on 12/06/2020 - 12:56
    +4

    Never drive through flood waters.

    You actually got out of this cheap. Could have cost you your life and put others in danger during the rescue.

  • DoUKnowTheMuffinMan on 12/06/2020 - 12:57
    +12

    If you admit to driving through flood water, I don't think you are covered by insurance.

  • [Deactivated] on 12/06/2020 - 12:57
    +9

    The flood didnt cause the damage, you driving through flood waters did.

  • ssquid on 12/06/2020 - 13:09
    +11

    It's a car not a boat.

  • lunchbox99 on 12/06/2020 - 13:14
    +13

    I'm glad they don't pay out these claims. Why should my premium reimburse people who drive like morons.

      • lunchbox99 on 12/06/2020 - 13:23
        +24

        Lol, you're the one who drove through flood water not me pal.

        Let me explain this for the slow learners. Paying an insurance premium isn't a broad license to act in a negligent way that causes your loss. This is why insurers won't pay for you punching holes in your own walls, or setting fire to your house, or driving your car off a cliff, or shock horror… driving through flood water.

        So suck eggs I say.

        Claimable flood damage could include leaving your car parked and water rose in a flood ie you didn't drive into it. Derp.

        • Fredfloresjr on 12/06/2020 - 14:08

          lol

          • lunchbox99 on 12/06/2020 - 14:21
            +2

            @Fredfloresjr: Too much? Maybe I went too far. OP won't know for a while cause he's stuck on the roof of his car with no cell signal.

            • Caped Baldy on 12/06/2020 - 15:24

              @lunchbox99: Nah. It's like someone is playing five finger fillet and getting angry at the knife company when they stab themselves.

        • 87percent on 12/06/2020 - 16:58
          +1

          Lol at “suck eggs”

      • neo on 12/06/2020 - 15:44
        +3

        I'd say the only moron here is you, for driving through flood water…

  • montorola on 12/06/2020 - 13:23
    +7

    Lol @ actively driving through floodwaters then expecting insurance to pay for it.

    HAHAHAHAHAHAHA

  • wiipantz on 12/06/2020 - 13:30

    Gotta be a troll right?

    • AdosHouse on 12/06/2020 - 15:09

      I dunno, I have personally SEEN idiots drive through flood water, they seem to be multiplying.

      • wiipantz on 12/06/2020 - 15:11

        But then posting it online in an almost condescending way? Madness lol.
        In saying that the leadership examples we have these days no bloody wonder ;)

  • theHMASfriendship on 12/06/2020 - 13:40
    +2

    OP you're just going to get unhelpful answers unless you provide an MS Paint diagram.

  • Caped Baldy on 12/06/2020 - 13:48

    Relevant Top Gear clip.

    https://www.youtube.com/watch?v=YVjo6YOT3Zg

  • Brick Tamland on 12/06/2020 - 14:02
    +2

    Wouldn't it be cheaper just replacing the audio components than paying an insurance premium?

  • Fredfloresjr on 12/06/2020 - 14:09

    Do you have the footage driving through the flood? Show it to them but make sure to submit it to Scott to be on the highlight of his episode.

  • RM on 12/06/2020 - 14:21
    +5

    So after starting renovation without Strata approval (cause you didn't wanna wait), you now chose to drive through flood waters and expect insurance to cover you??

    You Sir are living the LIFE…

  • djones145 on 12/06/2020 - 16:42
    +1

    lol
    as I said.in another topic

    it was raining the other day, was very heavy, so I went to kfc and ordered a dinner for two.for myself and ate it

    it was.good

  • dasher86 on 12/06/2020 - 16:48

    Oops

  • Moderatorhamza23 on 13/06/2020 - 22:37

    Comments closed by user request.

    Thanks

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