STORM Eunice has slammed into the UK – causing many cars to be damaged.
Fallen trees and loose bricks are particularly destructive hazards – but does your car insurance cover storm damage?
Does my insurance cover storm damage?
While you should check with your insurance provider, the good news is that your car insurance will cover storm-related damages.
Most drivers have a comprehensive insurance policy that will cover you if your vehicle is hit by trees or debris.
According to insurance company Zurich, claims for this damage increased by 17% during storm Arwen in November.
However, third-party policies will not cover storm damage.
Motorcycle insurance also won’t cover you if you choose to drive and do so is not legal.
In a rare case, your car insurance could technically be brought into question as to whether your provider can prove “contributing negligence” on your part.
For example, this can happen if you drive into a flooded area despite warnings from the side and damage your vehicle as a result.
Should I drive in a storm?
Everyone is asked to stay home unless absolutely necessary, so it’s safer if you can avoid using your vehicle for now.
The RAC has advised motorists not to drive during Typhoon Eunice unless absolutely necessary following warnings for snow, heavy rain and high winds.
RAC Breakdown spokesman Rod Dennis said: “With a rare red weather warning for extreme winds in place tomorrow, safety on the roads will be paramount. Those are hugely important drivers that shouldn’t be in place in Storm Eunice unless it can’t be avoided.
“It is better to delay trips until the worst of the storm has passed.
“Drivers making unnecessary journeys risk putting themselves and their passengers at risk, as well as the lives of anyone who may need their help should something unexpected happen. out.”
How can I protect my car from storm damage?
The first thing you can do is not drive your car as Storm Eunice has left roads blocked by debris and fallen trees, endangering your life and vehicles.
If you must drive, research your itinerary and avoid any dangerous routes along the way.
When parking, avoid parking near trees and buildings that appear unsafe.
Try to park in a garage or enclosed area if you can to eliminate the risk of a tree falling on your vehicle.
https://www.thesun.ie/motors/8386269/will-my-car-insurance-cover-storm-eunice-damage/ Does my car insurance cover damage caused by Hurricane Eunice?