How driving during a weather alert affects your car insurance

As more and more bad weather heads our way, many drivers are wondering what a weather warning means for their car insurance.

Indeed, over the past few years there have been rumors circulating on social media that a warning will invalidate your car insurance.

However, insurance companies insist that comprehensive insurance will cover any damage to a person’s vehicle caused by the storm.

So what’s the truth in the matter – and what exactly is a red weather warning?

Does a weather alert affect your car insurance?

Your insurance coverage should remain valid regardless of the weather, but don’t take that as a green flag for driving disregarding the alert.

Just knowing you’re going to get paid shouldn’t mean you’re taking undue risk.

If your insurance company can prove contributory negligence on your part, your claim could be challenged and any payment reduced.

For example, if you drove into a swollen ford where there was a warning in place and your car stalled and was destroyed by water, your claim might not be paid.

You might not even be eligible for a clawback under your roadside rescue policy because you recklessly got yourself into trouble.

An AA spokesperson said: “We urge common sense, no one wants to be stuck in these conditions and it may be that instead of visiting relatives and planning to return home, postpone the going home is more sensible.”

What are the insurers saying?

A Direct Line spokesperson said: “We will advise all customers, for their own personal safety, to listen to local news and local authorities about venturing into extreme weather conditions.

“But that doesn’t render your insurance null and void.

“People should be careful when the weather is so extreme and shouldn’t really venture out unless it’s dire necessity.”

A spokesperson for the Association of British Insurers added: “We urge all drivers to pay close attention to the advice of local authorities and emergency services in areas affected by snow, particularly where there is has a red warning.

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

“Car insurance will cover you in the usual way, provided you drive within the law.”

The Met Office issues warnings ahead of extreme or hazardous weather conditions that could cause “damage, widespread disruption and/or danger to life”.

Warnings are given a color to reflect the severity and likelihood of impact, ranging from yellow, amber and red.

Red is, unsurprisingly, the most severe of the weather warnings.

This means that extreme weather conditions are expected.

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