SNOWMOBILE Is my car insured in the snow? How to find out if you are covered to drive in adverse UK weather conditions.


SNOWMOBILE Is my car insured in the snow? How to find out if you are covered to drive in adverse UK weather conditions.

DRIVING in the snow is dangerous enough – especially if your car is uninsured and you have an accident.

You should know the rules that apply before an arctic lightning strike this weekend.

Weather forecasts estimate the extreme cold will leave some parts of the country under up to 20 inches of snow.

It could make driving very difficult as storm winds of up to 80 miles per hour are also expected.

Here are the insurance rules for using your engine in bad weather and a few tips to help you make sure you are covered.

Your car insurance will stay valid even if you get it out in the snow – but be warned.

If your insurers believe you negligently put your car at risk, any claim is open to question.

So if you take a risk and travel with strong amber or red weather warnings and end up in an accident, you could be thrown overboard.

Kevin Pratt, consumer expert at MoneySuperMarket, told The Scottish Sun, “Your coverage should remain in effect whatever the weather, but don’t take that as a green flag to drive without heeding the red warning for snow.

“Just knowing that you are going to get a withdrawal shouldn’t mean that you are taking unreasonable risks.

“If your insurance company can prove your contributory negligence, your claim may be challenged and your payout reduced.

He said you may not even be eligible for recovery under your rescue policy.

Kevin added, “The same would apply if you were to drive on a road contrary to official road closure signs and then get involved in an accident.”

Direct Line spokesman Simon Hendrick added, “For their own personal safety, we will advise all customers to listen to local news and local authorities to venture out in extreme weather.

“But it doesn’t make your insurance null and void.

“People should be careful when the weather is this extreme and shouldn’t really venture out unless there is an extreme need.”

A spokesman for the Association of British Insurers added: “We would like to urge all motorists to heed the advice of local authorities and emergency services in snowy areas carefully – especially when there is a red warning.

“People’s safety is paramount. The rumors on social media that car insurance will be voided if people drive during a red warning are not true.

“The motor vehicle insurance covers you as usual, provided you drive in accordance with the law.”

These seemingly innocuous practices should be avoided if you’d rather avoid being fined or breaking the terms of your insurance company.

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