Check with your insurance company. I know here in the U.S, that type of "damage" is covered. When I was a MINI owner, it was well known that driving a MINI Cooper at any speed, even into 4 inches of water could push water up into the hood and through the intake into the engine and hydro-lock it. With spring rains in Dallas flooding roadways, MINI Dealers always had 3 or 4 sitting in the service area, waiting for a new engine. All the ones in our MINI club (5 people) that this happened to, their auto insurance paid for the repairs.