What Happens to Your Car Insurance Claim When Your Vehicle Is Submerged? Britam Explains
A common and costly misconception among motorists is that flood damage falls outside the scope of standard motor insurance...
✨ Key Highlights
Recent heavy rains in Kenya have caused widespread flooding, submerging vehicles and leading motorists to question their insurance coverage. Britam, a leading insurance provider, has clarified what happens to car insurance claims when vehicles are flood-damaged.
- Comprehensive motor insurance is essential, as it covers flood damage, unlike third-party policies which offer no recourse for the owner's vehicle.
- Britam's comprehensive policy covers theft, fire, accidental damage (including floods), total loss, and third-party liabilities.
- Motorists are advised to prioritize safety by vacating flooded vehicles immediately and avoiding starting the engine.
- The insurer now offers a fast, AI-powered claims process that can settle minor damages in approximately two hours.
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Flood death toll rises to 71 as search, rescue operations continue - March 2026
The death toll from ongoing floods across Kenya has tragically risen to 71, with the National Police Service reporting five additional fatalities. The Kenya Meteorological Department has forecasted heavy rains and isolated thunderstorms across several parts of the country starting Thursday. Recent heavy rains have caused widespread flooding, submerging vehicles and leading motorists to question their insurance coverage. Britam, a leading insurance provider, has clarified what happens to car insurance claims when vehicles are flood-damaged.
