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.