Is your car insurance valid if you drive during a red weather warning?

Is your car insurance valid if you drive during a red weather warning?
Is your car insurance valid if you drive during a red weather warning?

Drivers are being reassured that their insurance policies remain valid even during red and amber weather alerts.

After the first red weather warning ever was issued in Scotland during the recent heavy snow, rumours on social media suggested that driving during such a warning will invalidate a vehicle’s insurance.

But insurers and the police have acted to rubbish the falsehood and reassure drivers that they’re still covered.

A statement issued by Aviva insurance to its customers told them: “Your insurance will be valid in a red alert, please follow the advice of the emergency services and travel only if it’s necessary. Take care, and keep warm.”

That was mirrored in the advivce from Direct Line insurance, which took to Twitter to address the rumours. It said: “We’re aware of a fake news story being shared on Twitter. We would like to assure all of our customers that they are covered by their insurance policy during red and amber alerts. People should be careful when the weather is so extreme and only drive if really necessary.”

And Police Scotland’s road policing unit also waded into the debate, while warning drivers not to call 101 or 999 with questions regarding their insurance.

The RAC’s Rod Dennis told us: “Police Scotland are correct – insurance is mandated by law and so unaffected by the weather.”

And a spokesman for The AA told the Daily Record: “It’s total nonsense to say you would not be covered during a red weather warning.

“If you were caught up in the red warning on the road, are you supposed to pull over and freeze?

“If you were to do something reckless, like drive at speed on treacherous roads, and that led to an accident that would be taken into account. However, to say that people on the road currently in the red warning should somehow pull over and not drive, is silly.”

However, just because you are insured doesn’t mean you should be on the roads today. Both police and insurers are advising drivers to heed warnings and avoid travelling unless it’s absolutely essential.

And if you’re in the dark as to what the various warnings mean, our video offers a quick explanation.

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