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Storm Eunice: How driving with a weather warning affects your auto insurance

Cyclone Eunice has reached the UK bringing winds of 90mph and causing disruption to roads and public transport – but what if you needed to drive today?

Many drivers believe that driving in a storm affects their auto insurance
Many drivers believe that driving in a storm affects their auto insurance

Millions of people are being asked to stay at home these days Storm Eunice arrives in the UK.

It is being named the worst storm in 30 years, with forecasters predicting 90mph winds and disruption to roads and public transport.

ONE red weather warning – means a danger to life – also applies to parts of South West England, London and South East England, East England and large parts of Wales.

Approximately 2,000 properties are reported as no power in Devon and Cornwall was this morning.

But what if you need to drive to work? We explain if your car insurance still covers you if you drive in a storm.

Do weather warnings affect your car insurance?







Your car insurance will remain if you drive in a storm
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Image:

PA)

The good news is that your car insurance will cover you if you’re driving in a storm – but that doesn’t mean you should take the roads in the first place.

People are being asked to stay home if they can, so it’s safer if you can avoid using your vehicle for now.

This is because Typhoon Eunice has the potential to leave roads blocked by debris and fallen trees, which can be life-threatening.

A Direct Line spokesperson said: “We would advise all customers for their personal safety to listen to local news and local authorities about venturing out in inclement weather.

“But it doesn’t void your insurance. People should be careful in extreme weather and shouldn’t take any real risks unless it’s absolutely necessary.”

A spokesman for the Association of British Insurers added: “We urge all motorists to heed advice from local authorities and emergency services in affected areas. affected by snow – especially places with red warnings.

“People’s safety is paramount. However, the rumor on social media that motorbike insurance will be worthless if people drive on red warnings is not true.

“Motorcycle insurance will cover you normally, as long as you’re driving within the law.”

While you’ll be fully covered, technically your car insurance claim could be brought into question if your provider can prove “contributing negligence” on your part. .

Have you ever had a car insurance claim canceled because you drove in a storm? Let us know: mirror.money.saving@mirror.co.uk

For example, if you drive into a swollen junction where a warning is in place and your vehicle stalls and is damaged by water, your claim may not be paid.

“You may not even be recovered by your roadside rescue policy because you risked getting yourself in trouble,” said Kevin Pratt, consumer affairs expert at MoneySuperMarket.

“The same applies if you go down the street against the official no-road sign and then get involved in an accident.”

So, if you need to get out of the house, drive as carefully as possible and take all necessary precautions to avoid damaging your car and your insurance will still be paid.

AA has provided the following tips for driving in red weather warnings:

  • Drive slower in inclement weather. Your stopping times may be affected and driving may be more difficult in the presence of weather warnings.
  • Stay on the main roads if you can and try to avoid the country lanes. Busy roads are more likely to be hit by gravel, while quieter roads are more likely to have fallen branches, water, and heavy snow.
  • Keeping an emergency survival kit in your vehicle is especially important in inclement weather – flashlights and batteries, first aid kits and empty gas cans, for example.

The AA website says: “You can drive in any weather warning, be it red, amber or yellow. But the aim is to make you aware of the risks and possibilities. out so you can plan ahead.

“Your insurance provider won’t void your policy just because you have to drive in heavy snow or high winds. If your car is taxed, have a valid driver’s license and be covered. insurance, you are legal to join the traffic.”

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https://www.mirror.co.uk/money/storm-eunice-how-driving-during-26265342 Storm Eunice: How driving with a weather warning affects your auto insurance

Fry Electronics Team

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