Login Menu

Summer of Thunder – Storms Warning for Motorists


As weather forecasters say we could be in for a summer of thunderstorms, a leading insurance comparison firm warns motorists to check their insurance policies before venturing out into the elements.

The Met Office says a ‘hotter than normal’ summer will bring outbreaks of torrential downpours, hail and thunderstorms as temperatures cool after heatwaves.

Quotezone.co.uk, a leading car insurance comparison website, says any damage to cars caused by driving through flash floods might not be covered by insurance policies. It warns motorists to carefully check their policy exclusions, and even if routes are partially blocked, drivers should think twice before using waterlogged roads.

We’ve already seen a glimpse of what could be a blistering summer this year already, with high temperatures, heavy downpours and thunder and lightning – particularly in the south.

If drivers find themselves stuck in the car during a thunderstorm, official advice from the Met Office is to wind up the window and stay inside the vehicle – the metal frame of the car should act as a conductive Faraday cage, passing the current around the passengers and into the ground, should it be struck by lightning.*  If motorists have an open or soft top vehicle, they are best to avoid driving if thunderstorms are coming.

Greg Wilson, Founder of Quotezone.co.uk, comments: “Motorists who have taken out third party only or third-party, fire and theft insurance wouldn’t be covered for any storm damage to their vehicles – only fully-comprehensive policyholders are likely to be protected in those cases.

“If a storm is predicted, look at official flood warnings, avoid roads that are likely to flood and allow more time for your journey, note you may have to pull over and wait it out if the downpour starts to affect your visibility – not forgetting to put on the hazard lights.”

“Unfortunately, if motorists do decide to drive through waterlogged roads, there’s a very real risk that they won’t be covered for any resulting water damage to the car – even fully-comprehensive drivers.”

Greg also warns motorists that have to go out, to make sure their cars are roadworthy before setting off, which includes checking tyre tread and windscreen wipers.

Quotezone.co.uk compares prices across all types of car insurance, including breakdown cover,  and niche products such as motor trade insurance – helping around 3 million users every year find better deals on their insurance, with over 400 insurance brands across 60 different products. Recommended by 97% of reviewers on Reviews.co.uk. 

This article is intended as generic information only and is not intended to apply to anybody’s specific circumstances, demands or needs. The views expressed are not intended to provide any financial service or to give any recommendation or advice. Products and services are only mentioned for illustrative rather than promotional purposes.