5 March, 2018

Weather Warnings: Am I Covered by my Car Insurance?

With the beast from the east resulting in treacherous driving conditions across the UK, followed by Storm Emma bringing more chaos across the latter half of the week and continuing across the weekend, a common question being asked by drivers is whether their car insurance is still valid when weather warnings have been issued.

In short, the answer is yes, your insurance will still cover you in the event of an accident during a weather warning for snow, ice, rain, wind or any weather scenarios.

What Do Weather Warnings Mean?

The MET Office has three levels of weather warnings, which you can find below:


Extreme weather is expected. Red means you should take action now to keep yourself and others safe from the impact of the weather. Widespread damage, travel and power disruption and risk to life is likely. You must avoid dangerous areas and follow the advice of the emergency services and local authorities.


There is an increased likelihood of bad weather affecting you, which could potentially disrupt your plans and possibly cause travel delays, road and rail closures, interruption to power and the potential risk to life and property. Amber means you need to be prepared to change your plans and protect you, your family and community from the impacts of the severe weather based on the forecast from the Met Office.


Severe weather is possible over the next few days and could affect you. Yellow means that you should plan ahead thinking about possible travel delays, or the disruption of your day to day activities. The Met Office is monitoring the developing weather situation and Yellow means keep an eye on the latest forecast and be aware that the weather may change or worsen, leading to disruption of your plans in the next few days.

Source: Met Office

This week saw 2 red warnings issued in parts of the UK and based on the guidelines above, extreme caution should be taken to ensure your own and others safety during the bad weather. This week various news report have gone viral with people driving and getting stuck in snow resulting in them being stranded for 9 hours and over and in the extremely cold temperatures that we’ve seen I recent days this is very dangerous.

Don’t Drive Unless Absolutely Necessary

We at Call Wiser advise that although yes you will be covered by your car insurance, your insurers will take into account other factors as they normally would such as how you were driving and whether that was appropriate for the conditions. For example, if you have an accident whilst driving over the speed limit during snow and on icy roads, this could go against you in the event of a claim. Secondly we would that the warnings to only travel if absolutely necessary are taken very seriously, as you’re not just putting yourself at risk, but the emergency services personnel in the event that you do become stranded, breakdown or have an accident.

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