Your car insurance policy could be invalidated if you fail to slow down this winter

Your car insurance policy could be invalidated if you fail to slow down this winter

Car insurance policies are fragile and motorists may be invalidating their cover by breaking conditions of a contract. Driving too fast or irresponsibly for the conditions at the time of an accident can be enough for insurers to refuse payment on claims. 

Frost and ice on the road surface can cause vehicles to slide while driving through deep water on bald tyres can lead to a vehicle skidding and aquaplaning. 

The driving style of an individual motorist may be to blame for an accident and insurance providers will look to find as much information as possible before accepting a claim. 

Driving too quickly on icy roads will put you more at risk of having an accident and therefore needing repairs to a car. 

If insurance providers determine an accident was down to inappropriate driving or failure to slow a car based on weather conditions it could be difficult for motorists to claim for repairs. 

READ MORE: Weather warning: Britons urged to check car before leaving home

“It’s essential you check the details of any third party cover, as although many comprehensive cover policies will pay out if there is damage caused by adverse conditions, the same cannot be said for third party policies – which usually only cover damage to other vehicles.” 

Even having an accident while driving at a reduced speed could also be enough to invalidate a car insurance policy and leave motorists funding repairs. 

Law firm Digby Brown claims driving without adequate equipment on their car could still leave a defendant liable for a collision.

This could range from failing to fit a vehicle with correct tread depth to not completely clearing a windscreen of ice and frost. 

Insurance can be invalidated if a road user has failed to clear ice and snow off a vehicle as this could restrict vision and prevent a driver from seeing important road hazards. 

The person who has had the accident will have to be judged regarding whether they could have done anything else to have prevented the car crash. 

However, the Association of British Insurers (ABI) confirmed motorists are not completely banned from the roads in wintry conditions. 

The group said rumours of motorists having a policy invalidated if they are driving in red weather warnings were false before confirming motor insurance should cover road users providing they are driving within the law. 

A spokesperson said in a statement: “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.”

The National Accident Helpline says local authorities and the Highway Agency have a duty of care to make sure road surfaces are as safe as possible during winter weather. 

This can be done through clearing road surfaces of snow, placing warning signs about difficult weather conditions or closing roads. 

If the authorities have failed to follow the regulations and drivers have been injured in a collision, motorists could make a compensation claim. 

Published at Thu, 14 Nov 2019 09:40:00 +0000