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    Hopefully classic cars in garages will be covered by classic car policies for full value under their fully comprehensive policies, subject to assessors view!!!!!!! I wonder what the Federation's view will be. As usual it is the Insurance companies who will provide the answer.

  2. In the process of restoring my mini, and then the floods came!.

    My garage was under 2 feet of water, my lovely newly refurbished engine and gearbox wason the floor awaiting return of the shell. This is now full of silt and will require a strip down .

    The newly finished wheels and tyres bobbed about in the water and knocked the table over with the door cards on top, ruined!

    Not the best start to the week.

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    I was already afraid that this might have happened to some. Sounds a bit like the local storyof 1995 when we had some serious flooding over here as well – very similar situation. I feel very sorry for you.

    Any chance that you can get some compensation from your insurance company by considering those car parts as household goods? I have insured the parts for my dismantled cars like that as you can't insurethem as a car…

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    You make a valid point regarding the insurance position. I have had discussions with the insurance company over this week, their initial stance was that as they are parts of car , car insurance should cover it, however, once I pointed out that I have contents insurance which specifically covers the garage contents, theyadvised it would be at the discretion of the assessor.

    I am meeting the assessor on Friday, so I will keep everyone posted as to the outcome.

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    I read in the paper there was an old man with a vintage bentley submerged in his garage due to flooding.

    I wonder how many old cars have been damaged?

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    Hi Mark,

    I am very sorry to hear of your tragedy and I am too far away to help in any useful way but please know my thoughts are with you and any enthusiasts in your area. I guess you can be thankful that it wasn't fire, it destroys all.

    If it helps, I know a few guys who's vehicleswere caught in the Florida floods and they have pretty much picked up the pieces now and are looking forward. I hope you can put this behind you soon and start looking ahead too.


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    Thanks .

    Unfortunately the insurance is not going to cover the car damage.

    Apparently, engines 49cc and under are covered as they could be classed as a toy, great news eh!

    That aside engine strip and rebuild completed today.

    Looks like Newton Commercial will be getting a large order shortly.

    Onwards and upwards.


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    Really sorry to hear your news Mark, it is very demoralising isn't it. We were also flooded badly on the night of 20th July (we live in West Oxfordshire) and have onlytoday got computer rigged up again. Our house/garage and cars had between 18inches and 4foot of contaminated flood water through them and we've had to move out for an unknown period while the house is gutted and rebuilt….

    On the Mini front, my (also part dismantled and therefore uninsured) original 1966 Cooper 'S' has suffered a bit. Full extent of damage is not yet known (other priorities) but luckily interior was mostly removed already. It's highly unlikely that I will now be able to complete the body/paintwork this year which was to be my summer project…

    Any other members suffered?

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    Hope you're holiday has been good Andrew!

    Yes the flood has been a big problem for us, we are unlikely to be back in our house for at least 6months and are still dealing with insurance companies, buildersetc. etc. Its a 200 year old property and we've spent 25years getting it how we wanted it!

    On the car front, some have been written off (upto 4ft of contaminated water!). Our restored Morris Traveller is undergoing repairs and the Mini I've still not had time to look at yet. It got quite a bit of water through it but most of the interior trim was stored higher up so is OK. Not sure about engine & gearbox yet….. will keep you posted…. Thanks for your thoughts, Richard.

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    One of my friends is in Thatcham and got flooded. He has an extremely late Cooper which took on flood water to the top of the wheel arches, I would say, looking at the photos. When the floods subsided, he drained the engine and stripped the interior. The insurers wanted to crush the car, but with a struggle, he managed to get them to change the category of write off. He gets to keep the car and gets a cheque too, which will be used to pay for sorting out the flood damage. I heard a rumour that any car worth less than £10k is being written off.

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    Hi Sal! It depends on the level of damage and the attitude of the insurance company concerned. Certainly modern cars are more likely to be written off because of all the electronics (ECUs are often under the carpets and are VERY expensive). Older cars are much more simple and therefore repairable. Floodwater is not just water of course and contains sewerage amongst other unpleasant contaminates…..

    Unfortunately, or forunately dpending on you viewpoint, my Cooper 'S' was not insured. I imported it from Australia and cannot register it in UK until it has passed the MOT test. It has not as it is in bits in the garage! Most insurers will not insure a car without a UK registration number. I could claim under the contents of the garage butwould still risk losing the car due to contamination so I decided not to try and claim….That way at least I can start work on it again when I have the time.

    I am short of time now however and desperately wanted to get on with the car this summer! Thanks for all your good wishes folks.

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    Hi All

    I had a similar problem with flooding about 3 years ago when starting to restore my Mk1 Cooper.A fewthings were different which might help others, and maybe give you some questions/points to throw in the direction of your insurers!

    1. My car was insured at the time, and initially they rejected the claim as the car was largely dismantled. However all the parts damaged were the correct parts for the car (by number), and (my) policy didn't state the parts had to be installed in the car or the car had to be a whole orthe car had to be ableto run. Additionally, the car was at that time still MOT'd and taxed (free) so reluctantly they agreed it was covered.

    2. The flood water was relatively clean and only 6 ins deep, so most parts still on the car were ok. Of particular concern though was the gearbox which had recently been completed, and this suffered from being submerged. After flushing with a few litres of cheap oil from my local motor factors I decided no lasting damage had been done and not to worry about it further. However I also decided not to claim on the insurance as the other parts could be replaced with new ones within the excess limit, but as a result I did have an 'incident' logged against my policy. It would seem sensible to me that with the increasing value of Coopers and the increasing rarity of parts that for a few £s the car is insured (against its chassis number – see below) for Fire and Theft only whilst the restoration is being done

    3. A car can be insured against its chassis number. Kit car people do this so they can legally drive to the MOT, and if you have imported a car from another country (Australia for example), then you will need to do this to be legal. I'm not sure if the police with their Number Plate Recognition systems will see this the same way as the car will not have any number plates to be recognised! Could be an interesting roadside chat!! By the way, the MOT must be pre-booked and 'within reasonable distance from home'. Also you are not 'supposed' to deviate from the shortest route to get there.

    Hope this helps (someone), but they are based on personal experiences and may not stand the rigours of all insurers or a court of law!


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    Insurance companies and policies differ of course and my policy is a business policy covering many vehicles. There are 3 aspects to it. 1). Road risks – which covers vehicles legally on the road (and as you say, this would include a car being taken for an MOT even on just its chassis number) 2). Goods in transit – which covers goods or vehicles being transported on a lorry or trailer whatever theirlegal standing. 3). Garage contents – which would have covered my Cooper in its partly dismantled state in the garage. I simply chose not to claim as the insurers wrote off most of our other damaged vehicles due to the (perceived) health risks of the comtamination.

    Whilst most cars could be replaced reasonably easily, a low mileage/one owner/rot free Mk1 Cooper S is not so easy to replace and since the damage was minimised by the car having no interior trim fitted at the time (and stored elsewhere) I consider I have not suffered too badly and can now carry on with the car'spreparation & respray!Several of ourcars were taken to a 'licenced decontamination centre' and destroyed:shock:. We were not allowed to even purchase them back for spare parts.

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    Classic car insurance seems to be much better value here in Oz.

    My classic policy covers my Traveller for an agreed sum for daily use – and in the event of a write off I get the agreed value (minus the not too onerous excess) and get to keep the wreck.

    For an extra couple of bucks a month they cover my dismantled S and the inventory value of tools and spares against fire and theft etc.

    Cheers, Ian

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