Does your car insurance plan cover flood damage?

We all try our best to prepare for the worst, but sometimes we limit our imagination and forget about the least expected scenarios. Singapore is mild when it comes to weather conditions as we’re very lucky to enjoy lots of sun and some wet days too. However, some wet days are unpredictably harsh and can entirely dampen the mood. Rain is rain, and too much can be a pain.

There are days our island gets more rain than it should and flash floods are becoming a reality now, especially in several parts of eastern Singapore this year. Who knows where else it can happen? I’m sure it’s fun to imagine your car transforming into a speedboat or even a submarine-like in popular spy movies. Sadly, real cars in the market are not as fun as we like them to be.

So what happens to your car when it gets too much water under the hood?

• It definitely won’t float or swim. (We recommend you don’t put this to the test.)
• Your electric wirings will go haywire.
• Rust and corrosion will compromise the metal parts and your wallet.

Jokes aside, flood and water damage can build up and eventually cause severe damage. Car insurance is your best defense. You also need to be aware that not all cover flood damage. While the majority of insurers like FWD cover flood damage – some don’t. Forking out for higher insurance premiums also doesn’t guarantee that you’re covered. Don’t leave it to chance, check if you are covered by asking your insurer. Being sure now is better than being sorry later.

We can’t control the weather, but we can be prepared for it. Here’s a simple checklist from us so that you can be flood-ready;

• Avoid driving to areas where the roads have been flooded, don’t risk it.
• Make it a habit to have your car checked regularly for any problems.
• Check if your insurer covers flood damage.

A comprehensive car insurance coverage will see you through rainy days. Get a quote from FWD Car Insurance now!

FWD also offers commercial car insurance to private-hire drivers like Grab drivers. FWD’s comprehensive commercial car insurance provides 50% NCD lifetime guarantee and the best income protection.