I'm curious (though not planning to put it to the test!) -- in situations like this, would insurance pay up for what ought to be foreseeable by a reasonably-competent driver? I mean that, for example, driving through somewhere like Rufford Ford when the water is obviously right deep ought to strike anyone as a generally bad idea even if they are not familiar with the issue of hydro-locking.
I wouldn't have thought so, especially given the detour to avoid it is not that far (according to what was said earlier).
I don't have any sympathy for them, there is a saying from my neck of the woods,
"thick as mince"
;-)
Years ago I remember doing a bus run to Aberdeen during a period of very heavy rain and came into this village to find the main road was completely flooded, full width of the road and stretching about 100 meters or so. I didn't think it would have been that deep (and would have driven through anyway), but because the bus had a 'ferry lift', I used it just to be on the safe side. This raises the suspension by a good few inches in order (as the name suggests) to get on and off a ferry ramp without grounding the bus, like an old Citroen!.
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