I drove through floodwater in my BMW X3. The car broke down. The BMW breakdown service initially advised that they could not recover me and I'd have to call the fire service. The firemen got me out of the car, leaving the car behind. Eventually, the BMW service sent a recovery vehicle, but the driver refused to recover the car because it was dark and he was worried he did not have the correct equipment. The car was left in the road and recovered the next day in my absence. I was told that someone had crashed into the back of my car and the front window had been smashed too. BMW are telling me that flood damage is not covered in my comprehensive insurance warranty. I involved another insurance company who want to make it three separate claims, rather than one claim. I have had nine years with protected no claims and I'm concerned I'll have to pay my excess three times and lose my no claims.