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Mandatory rules to follow in case of flooding:
«The CASCO contract covers damage caused by a natural disaster. The floods that occurred in July-August are a natural disaster and such damage will be compensated to the owners of CASCO policies. But it should be remembered that the insurer may refuse to pay compensation for certain reasons. Examples of such a refusal may be: if the car was damaged in the event of water hammer (engine damage as a result of water ingress) or violation of the rules for operating the vehicle. In this case, we are not talking about cars that were damaged in the parking lot, we are talking about car owners who exceeded the limits of reasonableness when driving a car and tried to take a water obstacle.
Car manufacturers always indicate this in the operating instructions, sometimes with an indication of a specific water level, sometimes without. Insurance also does not cover damage that occurred during towing or transporting a car on a tow truck, in connection with which it is recommended to use the services of a tow truck organized by the insurance company. The CASCO contract does not cover damage if the driver did not follow the recommendations of the insurer or the instructions for operating the car − the car should be started only after drying and it is desirable that this be done by a service station employee after diagnosing the car», − commented Ruslan Grabko, Deputy Vice President for Operations of IC «AXA Insurance».
Source: Press Center of IC «AXA Insurance"