January 27, 2010 19:00 ET

Drivers Warned to Check Car Insurance Details for Flood Damage Cover

MANCHESTER, UNITED KINGDOM--(Marketwire - Jan. 27, 2010) - As the Met office issues flood warnings this week, motorists could be left submerged - both literally and financially.

Flooding can cause extensive damage to a vehicle, both to the bodywork and the engine. Drivers can face extremely high repair bills or worse still have their car written off. It is estimated that nearly 27% of UK drivers may not be insured if their vehicle is damaged as a result of flooding.

The North East of England has been issued with a 'Flood Warning' with the Midlands, South West & Greater London areas being issued with 'Flood Watch' warnings.

Leading high street insurance retailer, Swinton is advising UK drivers to check their car insurance policy for flood cover as many drivers may not be covered should their vehicle be damaged.

Steve Chelton, Swinton's Insurer Development Manager said: "Some drivers choose third party only or third party fire and theft policies because they are less expensive and easy to understand. However these car insurance policies might not provide cover for flood damage and it is crucial that drivers are conscious of what is and isn't included in their policy."

Swinton has offered the following advice for those motorists living or traveling in flood prone areas:

- If you live in a flood prone area, think about moving your motor to higher ground if both possible and safe to do so

- Plan your journey to avoid the worst affected areas

- Do not drive through flood water if you do not know how deep it is. It can only take a few inches of water to cause considerable damage to your motor.

- If you have to drive through the flood water , stay on the highest part of the road assuming it is safe to do so

- If your car is submerged in water do not try to start it. If flood water has entered the interior it can cause electrical malfunction such as airbags inflating or electrical fires

About Swinton

- With 580 branches nationwide Swinton is the UK's largest high street insurance retailer

- Unlike many other companies in the financial services industry, Swinton is committed to keeping its branches open for business, and part of the community

- Swinton provides a one-stop-shop for the insurance and related needs of its clients, offering home, car, caravan, business, holiday, motorbike and even classic car insurance

- With a dedicated team of advisors on hand at every branch to search a panel of insurers to offer quality cover at competitive rates.

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