best answer I can find is ..Holla wrote:Any of you know is it true your car insurance doesn't cover you if you have an accident while a code red weather warning has been issued, wouldn't surprise me if some companies have it in the small print. (I have no plan's to drive.)
"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 pay-out shouldn’t mean you take undue risks.
“If your insurance company can prove contributory negligence on your part, your claim might be questioned, and any pay-out reduced.
"For example, if you drove into a swollen ford where there was a warning in place and your car stalled and was ruined by water, your claim might not be paid.
"You might not even be entitled to recovery by your roadside rescue policy because you had recklessly got yourself into trouble.
“Same would apply if you went down a road in contravention of official road closure signs and were subsequently involved in an accident.
I would expect every angle to reduce a pay out will be used by the Insurance industry .... I am amazed at the amount of people driving around with snow on the roof of their cars, this is a major no go. Just clearing your windows is not good enough as applying the brakes can be enough to have the snow slide off your roof forward onto the windscreen, blocking out your vision. An accident in such circumstances will see you take a huge risk because you will have contributed to your accident .... in such a situation, I think the insurance companies are well within their rights to refuse to a full pay out.