Drivers are being urged to check their car insurance policies as they may not be fully covered for driving in winter.
Your car insurance may be invalidated before you leave the house today, here’s why;
Motorists across the country may be anxious to get behind the wheel of their car as the adverse weather conditions make it more difficult to control our vehicle.
Snow, ice and heavy rain can be incredibly hazardous and can cause a number of problems for motorists.
However, a shock new revelation has stated that you might not even be sufficiently covered to drive in these weather conditions.
Typically your car insurance policy will cover you if you drive in the snow but insurers could still refuse to pay out if you make a number of mistakes.
If an insurer believes that you have been negligent or take dangerous risks then they could refuse to pay out for your claim.
Kevin Pratt, consumer affairs expert at MoneySuperMarket, told The Scottish Sun:“Your insurance cover should remain valid whatever the weather, but don’t take that as a green flag to drive without giving heed to the red alert for snow.
“Simply knowing you’re going to get a pay-out shouldn’t mean you take undue risks.
“If your insurance company can prove contributory negligence on your part, your claim might be questioned, and any pay-out reduced.
“For example, if you drove into a swollen ford where there was a warning in place and your car stalled and was ruined by water, your claim might not be paid.
“You might not even be entitled to recovery by your roadside rescue policy because you had recklessly got yourself into trouble.
“Same would apply if you went down a road in contravention of official road closure signs and were subsequently involved in an accident.
“Your home buildings insurance should cover you for the ravages of the storm, whatever its intensity.”
A spokesman for The Association of British Insurers added: “We would urge all drivers to pay close attention to advice from local authorities and the emergency services in areas affected by snow – particularly where there is a red warning.
“People’s safety is paramount. However social media rumours that motor insurance will be invalid if people drive during a red warning are not true.
“Motor insurance will cover you in the usual way, providing you are driving within the law.”
Spokesman for Direct Line Simon Hendrick added: “We will advise all customers for their own personal safety to listen to local news and local authorities about venturing out in extreme weather.
“But it doesn’t make your insurance null and void.
“People should be careful when the weather is so extreme and shouldn’t really venture out unless its an extreme necessity.”
Check out our handy guide for driving in snow and preparing your car for winter driving.
Drivers should also make themselves aware that incorrectly defrosting their car could land them a £60.
Similarly, motorists can land a fine if they fail to remove loose snow off the top of their car.
Article by: Express