Winter brings challenging driving conditions, making it crucial to protect your vehicle and ensure you have the right insurance coverage. Snow, ice, and strong winds increase the risk of accidents and breakdowns, so staying prepared is essential. In this guide, we’ll cover key winter insurance tips to help safeguard your car and keep you ready for unexpected situations.
Keep Up with Vehicle Maintenance
Regular car maintenance is especially important in winter, as freezing temperatures and slippery roads can put extra strain on your vehicle. To avoid potential issues, have your car serviced before winter begins. Key maintenance checks include:
· Oil Level & Type: Check your oil levels and ensure the oil meets your car manufacturer’s specifications.
· Tyres: Maintain legal tread depth (minimum 1.6mm in the UK, but 3mm is recommended for better grip). Keep a spare tyre in good condition.
· Fluids: Top up your windscreen wash and antifreeze. Have de-icer handy for frosty mornings.
· Windscreen Visibility: Always clear your windscreen before driving to avoid fines and penalty points.
Carry a Winter Emergency Kit
Winter weather can bring sudden delays and road closures. Keep an emergency kit in your car, including:
· Warm blankets and extra clothing
· A flashlight and spare batteries
· Jump leads and a shovel
· A portable phone charger
· A warning triangle and high-visibility jacket
Drive with Extra Caution
Icy roads can significantly increase stopping distances—sometimes up to ten times longer than usual. To stay safe:
· Reduce your speed and drive smoothly.
· Watch for black ice and pay attention to weather alerts.
· Be mindful of other drivers, especially around sharp bends and hills.
· If the weather is extreme and travel isn’t necessary, stay home—it’s not worth the risk.
Ensure You Have Comprehensive Insurance Cover
Winter driving increases the likelihood of accidents, even if you’re careful. Comprehensive car insurance is essential, covering damages to your vehicle, including repairs or replacements caused by accidents, falling objects, and weather-related incidents—even if you’re not at fault.
Final Thoughts
Driving in winter presents unique challenges, but with the right precautions, you can navigate the season safely. By maintaining your vehicle, carrying emergency essentials, and driving cautiously, you’ll reduce risks and have peace of mind. Stay prepared, stay safe, and keep your car winter-ready!
At Riskworks, we specialise in providing advice and cover for clients with all types of car insurance requirements. We can review your needs and ensure you are fully protected now and in the future.
For expert advice, contact Lindsey Ramsden / Samantha Armstrong on 01625 547754 or by email lindseyr@riskworksbusiness.com / samanthaa@riskworksbusiness.com