Is your car insured in a red weather warning?
The weather may be unpredictable, but there’s one thing you can rely on – that your car insurance will cover you come rain, shine, hail or snow.
In fact, no matter what the weather, you can be confident that you’re still covered behind the wheel.
What is a red weather warning?
A red weather warning is the most severe warning that the Met Office (the UK’s official weather service) can issue – there are three levels:
- Yellow weather warning – issued if there’s a chance of what the Met Office call ‘low level impact’ like moderate to strong winds that could cause some minor disruption.
- Amber weather warning – issued for severe weather that could cause widespread travel disruption, power cuts and ‘potential risk to life and property’.
- Red weather warning – issued only for the most dangerous weather and where the Met Office believe there is ‘likely risk to life’ and ‘substantial disruption to travel, energy supplies and possibly widespread damage to property’.
Weather warnings can be local to your region and cover different risks for example, heavy rain, flood, wind, snow and ice so it’s always a good idea to read the details given for each warning.
Where can I find red weather warnings?
The Met Office website has more detailed information about yellow, amber and red warnings. You can also access up-to-date weather forcasts through the Met Offices app or social media channels, as well as through the BBC or on local news and radio stations.
Are you insured to drive in a red weather warning?
In short – yes. Driving during a red weather warning does not invalidate your policy but you should take heed of any advice and take extra care if you’re out and about.
While bad weather itself can’t invalidate your insurance – being reckless can. If you’re involved in an accident and your insurer believes you’ve been negligent, they can refuse to pay out.
There are other ways in which you can unwittingly void your cover, for instance not clearing snow from the roof of your car, wearing inappropriate footwear or putting on make-up behind the wheel – find out more in 13 surprising ways you could be invalidating your car insurance.
When was the last red weather warning in the UK?
Before that, the last red warning was in January 2016 for wind for Orkney and Shetland and before that a red warning was issued for snow in 2013 for South Wales. For an overview of past weather events, go to Met Office, news releases.
Stay safe and insured
Whatever the weather, it’s always wise to stay alert on the roads but appropriate insurance (as well as being a legal necessity) can also help put your mind at rest, just in case something unforeseen does happen.