Connect with us

Hi, what are you looking for?

Editor’s Pick

Mistakes that could invalidate your insurance cover in freezing winters.

When winter comes around, it can be stressful for many people, especially those dealing with insurance cover.

The harsh weather and numerous activities accompanying the season increase the risk of accidents or other potential situations that could invalidate your insurance policy, resulting in extra stress and unwanted expenses. This article will explore common mistakes made about winter insurance policies so you won’t need to worry. Stay tuned!

Drive your car with the roof clear of snow.

If you don’t clear the roof of your vehicle, snow may cause you to lose your insurance coverage and result in an arrest warrant. The snow is accumulating over your vehicle while driving could be dangerous for you and other motorists. It’s because there’s an opportunity that the snow will slide off and obscure your view or that of a motorist, particularly when you are speeding or slowing down.

In most instances, your insurance will not pay when you’ve been driving unsafely or in reckless ways or if you happen to be involved in an accident because you didn’t clear your roofing, you may be determined that you’ve not been responsible. It’s legally required to carry insurance on your car, but in the event of a rough road, the likelihood of getting involved in a crash increases; therefore, it’s essential to ensure the insurance you have purchased is valid and protects you in any situation.

A car that hasn’t been de-iced and demisting.

It is an obligation of law that before driving, you should ensure your windshield is free from any obstructions, which includes ice. This means you must completely clean and remove any ice before setting off. But many need to realize that this also applies to all the mirrors and windows on your car, regardless of whether you have parking sensors.

If you have been in an accident, the admiral Claims number can help you with the claim process. An experienced team of professionals guides you through the claims process and protects your rights.

Take care of your tyres before you drive.

Driving in snowy or wet conditions can alter the tread patterns of your tyres. If you’re using a lower tread depth, your braking power will decline, and you stand the chance of having an accident if the tread depth of your tyres is less than the legal limit, and you may be penalized for this unless on the way to getting them replaced.

Contrary to the internet rumors, there is no way to cause your insurance to be invalidated when you drive in snowy conditions. Car insurance is valid even when severe weather warnings are issued. The fitting of winter tyres will not alter your coverage in any way. But there are some ways drivers can go about their business during winter, which could make the insurer deny the claim.

Tyre checks are essential at this moment. According to Lorna who claims: “Driving with illegal tyres could lead to the possibility of a fine of up to £10,000 (£2,500 for each tyre) and could result in twelve points against your driving license. An illegal tyre could impact an insurance claim when the tyres were linked to the cause of the crash.

“It’s worth considering changing to winter tyres if you can as they can make driving in icy conditions safer and they don’t impact the cost of your insurance.” While insurance is valid driving in a weather advisory, insurance companies advise drivers to be extra cautious and adhere to local police and council advice on when and where they can travel safely.

Unattended warming up of your car.

Despite the cold, drivers are not protected if they leave their vehicles locked and unsupervised when they are de-icing their cars, particularly if they put their keys inside the ignition. This is because most policies have a duty-of-care clause.

It might be tempting to remain inside your house while your car heats up and the car demists, but if someone got in the car and drove off in it, you’d not be protected. The admiral accident number is a unique identifier assigned to each insurance policy. It enables the admiral to quickly identify and track the details of any particular admiral policy.

Your information is secure and your privacy is protected. By opting in you agree to receive emails from us. Remember that you can opt-out any time, we hate spam too!



Soldiers are seen at the Philippine Army’s 126th Founding Anniversary in Fort Bonifacio, Taguig City, March 22, 2023. — PHILIPPINE STAR/KRIZ JOHN ROSALES By...


PRESIDENT Ferdinand R. Marcos, Jr. supports the merger of state-run lenders Land Bank of the Philippines (LANDBANK) and Development Bank of the Philippines (DBP),...


THE REGIONAL Comprehensive Economic Partnership (RCEP) will likely take effect for the Philippines around June, a Trade official said on Tuesday. This as the...


Bangko Sentral ng Pilipinas Governor Felipe M. Medalla poses for a photograph in his office at Manila, Nov. 18, 2022. — REUTERS/ELOISA LOPEZ/FILE PHOTO...


PANGILINAN-led Metro Pacific Investments Corp. (MPIC) is set to acquire 1.6 billion shares equivalent to a 16% stake in SP New Energy Corp. (SPNEC)...


LISTED retailer Puregold Price Club, Inc. recorded a 13.5% increase in consolidated net income to P9.23 billion in 2022 from P8.18 billion in the...

You May Also Like


COVID-19 has had a significant impact on the mental health of Filipinos across different groups all over the archipelago. From frontline workers, parents balancing...


REUTERS By Luz Wendy T. Noble, Reporter The country’s foreign exchange buffers slightly increased as of end-October as the value of the central bank’s...


BW FILE PHOTO GROSS BORROWINGS by the National Government reached P2.6 trillion as of end-September as it continued to raise funds to respond to...


KARASOLAR.COM TENA, Ecuador — Ecuador’s rainforest Achuar people say their ancestors long dreamed of a “fire canoe” or “electric fish” that would let them...

Disclaimer: Respect, its managers, its employees, and assigns (collectively "The Company") do not make any guarantee or warranty about what is advertised above. Information provided by this website is for research purposes only and should not be considered as personalized financial advice. The Company is not affiliated with, nor does it receive compensation from, any specific security. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendation. Any investments recommended here should be taken into consideration only after consulting with your investment advisor and after reviewing the prospectus or financial statements of the company.

Copyright © 2022 Respect Investment. All Rights Reserved.