Does driving in the snow invalidate my car insurance?

Want to understand the rules around winter driving and car insurance? In this article, we’ll explore what snow and other bad weather can mean for your policy.

When winter comes, you may wonder if driving in the snow and ice could affect your car insurance.

For example, you may want to know whether it’s illegal to drive with snow on your car in the UK. Or does insurance cover you when you’re driving in the snow?

The good news is that the weather itself won’t invalidate your car insurance. Policies typically only become void due to other factors such as unapproved drivers or not being honest with your insurer.

However, winter driving does have implications for motorists. It pays to know your way around the rules to ensure your car insurance remains valid.

Does insurance cover you when you’re driving in the snow?

The short answer is yes.

Provided you drive with appropriate caution and in keeping with the other requirements of your policy, you’re covered.

That said, taking extra care when the white stuff starts to fall is a good idea – not least in terms of how you prepare your car before hitting the road.

Is it illegal to drive with snow on your car in the UK?

Not strictly. But there are plenty of other laws that could come into play if you drive with snow still on your car.

Rule 229 of The Highway Code requires you to remove any snow that could fall into the path of other road users, so pay particular attention to your windows and roof.

You must also make sure your number plate, lights and mirrors are clear to ensure visibility. Failure to comply with these rules could result in a fine or points on your licence.

If you have an accident, you could find your claim is affected by your failure to prepare your vehicle.

Winter tyres and your car insurance cover

Speaking of preparation, some people like to fit winter tyres to enhance grip in the snow. Which begs another question: do winter tyres invalidate insurance?

Age Co offers Car Insurance, provided by LV=. According their underwriters, you don’t need to let them know if you fit winter tyres. Provided they are a standard size and specification for your car, you’ll be covered. However, it’s worth checking with your specific insurer.

What factors can invalidate your car insurance?

While driving in snow alone doesn’t void your car insurance, there are several other factors that can.

Important ones to watch for in winter include theft of your car if you’ve left it running, unlocked or with the keys in the ignition. So, no matter how tempting it can be to let your car thaw unattended, it pays to stay close by.

Other factors that could invalidate your car insurance include:

• Allowing drivers who aren’t named on the policy to operate your vehicle.
• Driving under the influence of alcohol or drugs.
• Using your car for business purposes or commuting without letting your insurer know.

Ultimately, you should take care and be honest with your insurer about who will be driving your vehicle and why. It’s always better to be covered for every possibility than find yourself caught out after an accident.

Tips for driving in the snow

Simon Turner, a road-safety specialist and engagement manager for National Highways’ Driving for Better Business programme, says the ticket to safety is awareness of the conditions.

“Make slow and careful manoeuvres,” he advises. “Steer steadily and brake gently, as stopping distances are 10 times longer in snowy conditions.”

Overland adventurer Alex Bescoby found all this out the hard way while following the Finnmarksloepet dog race through Norway. He lost control of the luxury SUV he was driving and ended up in a snowdrift.

“At least we had the Northern Lights for company while we awaited rescue,” he laughs. “It was a reminder to take extra care in the snow.”

Summary

Is your car insurance void in the snow? No, but that doesn’t absolve you of responsibility to take things steady and abide by the rules.

If you plan on driving in the snow this winter, consider these top tips:

• If there is snow on your car, you must make sure your number plate, lights and mirrors aren’t obscured.
• You are also required by the highway code to remove any snow that could fall and impact other road users.
• When driving in the snow, go slowly and use your brakes gently.
• If you’re unsure your car insurance covers something, don’t hesitate to get in touch with your provider – they’ll be happy to answer any of your questions.

For more information on finding over 50s Car Insurance through Age Co, click here. Whether you’re 50, 60, 70 or older – we’re here to help you make the most of later life, all while donating our profits to Age UK.