As the UK braces for severe weather events, including heavy rain, strong winds, and snow, residents are being urged to prepare for the challenges ahead to safeguard their homes, vehicles, and insurance policies. Michael Foote, insurance specialist at Quote Goat, shares expert advice on staying protected while avoiding common pitfalls that could invalidate insurance.
Upcoming Weather Challenges
The Met Office has issued weather warnings across the UK for snow and icy conditions. Heavy snowfall and freezing rain could lead to travel disruptions, power outages, and hazardous road conditions, particularly in rural areas. With severe weather set to impact daily life, preparation is key.
Insurance Mistakes to Avoid
Michael Foote warns that simple mistakes during extreme weather can have costly consequences for insurance claims. Common errors include:
Leaving Vehicles Unattended While De-Icing
A common practice during frosty mornings is leaving cars running unattended to melt ice. However, this not only poses a theft risk but can also result in insurance claims being denied if the vehicle is stolen.
Driving Without Clearing Snow and Ice
Operating a vehicle without fully clearing ice or snow from the windscreen and mirrors can render your car unroadworthy. This may result in fines, accidents, and invalidated insurance claims.
Neglecting Property Maintenance
Homeowners failing to maintain properties, such as clearing gutters or fixing loose roof tiles, risk being denied claims if damage occurs and negligence is proven.
Social Media Trends to Approach With Caution
Recent social media trends have showcased questionable weather preparation hacks. Among the most concerning are:
Using Hot Water on Frozen Windscreens
While trending on platforms like TikTok, this advice can cause cracks in glass due to thermal shock. Always use proper de-icing solutions instead.
Plastic Wrap for Windows
A popular “hack” to keep heat in has been criticised by experts, as it may lead to condensation and mould issues in homes. Insulating window films or draught excluders are safer options.
Legal Considerations and Fines
Drivers must also remain mindful of legal obligations during adverse weather. Key points include:
Incomplete De-Icing
Driving with obstructed vision due to ice or snow can result in fines and penalty points on your licence. Always clear all windows, mirrors, and lights before driving.
Leaving Engine Running Unattended
This practice, though common, is illegal on public roads and can result in fines in addition to invalidating insurance policies.
Tips You Should Ignore
Michael Foote advises against following poorly researched suggestions that can do more harm than good:
“Tyre Chains Are Always the Answer”
While useful in some areas, tyre chains are impractical and often illegal on UK roads unless there is deep snow.
“Let Snow Pile Up on the Roof for Extra Insulation”
Accumulated snow adds excessive weight and can cause structural damage, which may not be covered by insurance.
Expert Recommendations
To ensure safety and avoid invalidating insurance:
For Vehicles
Clear all ice and snow from windows, mirrors, and lights.
Avoid leaving your vehicle unattended while warming up.
Check tyres for sufficient tread and proper inflation.
For Homes
Inspect roofs and clear gutters of debris to prevent leaks and water damage.
Keep paths and driveways clear of snow and ice to reduce the risk of slips and falls.
Insulate pipes to prevent freezing and potential bursts.
Stay Safe and Covered
Michael Foote concludes, “Preparation is critical during extreme weather. By taking proactive measures and avoiding common mistakes, Britons can minimise risks and ensure that their insurance policies remain valid.”
