Motor Claims Paid Fast After Ditwah, Rs 28bn Still Stuck Elsewhere — Worth Trusting Comprehensive?

By end-June 2026, insurers had settled 79% of motor claims from Cyclone Ditwah (Nov 2025) within about six months, while only 44% of non-motor claims, mostly property, were paid out — leaving Rs 28.2 billion of the total Rs 57 billion in claims still unsettled industry-wide seven months on. Some owners take this as proof comprehensive cover actually works when it counts, since a written-off flooded car is easy for an assessor to value and pay out fast, unlike a disputed building claim. Others say the real test isn't the easy total loss — it's what happens on a borderline claim: a partially flooded engine, a 'pre-existing damage' dispute, or small print excluding certain flood scenarios. Reinsurance delays and the scale of the disaster are the reasons given, but that's cold comfort if you're the one still waiting on a cheque. If you've filed a motor claim after Ditwah or any other flood or accident, how long did it actually take, and did the insurer try to lowball or delay first? Comprehensive එක ගත්තත් claim එක ගෙවනකම් ඇත්තටම දවස් කීයක් ගියාද?