Crashes become a much more common sight during times of hazardous weather, seeing many opt to remain indoors where it is safe.
However, many of us have no choice but to traverse the roads, leaving many curious as to the rules regarding insurance.
Will my car insurance still be valid if I crash during snow or ice?
Car insurance is still valid even if the claimant drives in snowy and/or icy conditions. However, if it’s thought you have negligently put yourself and others at risk, your claim could be questioned.
This could occur if you decide to travel during a severe amber or red weather warning.
Kevin Pratt, consumer affairs expert at MoneySuperMarket said: “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 payout shouldn’t mean you take undue risks.”
He told The Sun: “If your insurance company can prove contributory negligence on your part, your claim might be questioned, and any payout reduced.
Driving in hazardous conditions is not recommended (Image: Getty Images/iStockphoto)
Recommended Reading:
Can you drive your car during a red weather warning from the Met Office?
This is when you should renew your car insurance for the best deal
10 ways you could be invalidating your car insurance without realising
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.
“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.”