Car Flood Safety Tips in the Philippines + Best Car Insurance to Protect Your Vehicle

Stay Safe and Protect Your Car During Flood Season

Flooding is one of the biggest risks car owners face in the Philippines, especially during the rainy season. Water damage can cause expensive repairs to your engine, electrical systems, and interior. To avoid heavy expenses, here are practical car flood tips and the recommended car insurance coverage you should consider.

Car Flood Safety Tips

1. Avoid Flood-Prone Areas

• Plan your route ahead and check flood advisories before driving.

2. Don’t Drive Through Deep Water

• If the water level is higher than your exhaust or halfway up your tires, don’t attempt to cross.

3. Park Safely on Higher Ground

• Always look for elevated parking areas, especially during heavy rains.

4. Turn Off the Engine if Submerged

• Restarting a flooded engine can cause hydrolock, leading to severe engine damage.

5. Check Brakes After Passing Through Water

• Gently pump your brakes to make sure they’re still effective.

Best Car Insurance for Flood Protection

Not all car insurance policies cover flood damage. In the Philippines, here’s what you need to know:

CTPL (Compulsory Third-Party Liability)

• Required by law, but it only covers bodily injury or death of third parties.
•  It does not cover flood or vehicle damage.

Comprehensive Car Insurance

• Covers flood, theft, fire, accidents, and third-party property damage.
• Ideal for protecting your vehicle during typhoon and flood season.
• Recommended for car owners in Metro Manila, Cavite, Bulacan, Pampanga, and other flood-prone areas.

Related article: CTPL vs. Comprehensive Insurance

Car floods can happen anytime, but you can minimize the risk by taking preventive steps and investing in the right car insurance. For Filipino drivers, the best option is a Comprehensive Car Insurance policy that includes Acts of Nature (AON) coverage to protect your car from flood and typhoon damage.

Get your free car insurance quote today with SWEN Insurance Agency & Services Corp — and drive with peace of mind, rain or shine.