Motorists take care – ‘frosting’ on the rise

During freezing weather conditions consumers and businesses should take precautions when travelling on the road to ensure that they don’t get frozen out by their insurance companies.

Frosting Thefts

With “frosting thefts” a continual threat, BIBA (British Insurance Brokers Association) urge motorists to take care to check their cover. Those who leave their cars with the engine warming up to defrost the windscreen may not be covered if an opportunistic thief steals the car.

Most motor insurance policies have a specific “keys in car “ or “vehicle left unattended” clause and exclude claims in these circumstances.

In addition, there will be a ‘reasonable care’ clause, whereby the insurer may reject a claim on the grounds of the policyholder being ‘reckless’ in not safeguarding the vehicle.

Protection

BIBA recommends that consumers should opt for comprehensive motor cover whenever possible as this will provide cover against accidental damage if they skid on icy roads and damage the vehicle – these days there is usually little difference between comprehensive and third party fire and theft premiums.

In extreme weather conditions, drivers are urged to avoid travelling by road wherever possible, but to take appropriate steps if driving is the only option: wrap up warmly, take a blanket, spade, torch, food and drink and a mobile phone, and tell someone what time you expect to complete your journey. Also, check your tyre tread depths to ensure the best grip possible in difficult conditions. Where possible, leave the car in a garage overnight.

Graeme Trudgill, Head of Corporate Affairs at BIBA commented: “During Winter, motorists often embark on journeys in their cars during extreme weather conditions. If we are to see a big freeze, we would urge motorists to check that they have the right equipment with them when they travel, and that they have the full cover necessary in the event of an incident”.

The Association of British Insurers (ABI) has reassured motorists that fitting winter tyres should not result in higher motor insurance premiums.

The trade body highlighted that its members, who represent 90% of the motor insurance market, had confirmed that they will not charge any additional premium if winter tyres were fitted.

The commitment came with the caveat that the winter tyres met, and were fitted in accordance with, the vehicle manufacturers' specifications and were in a roadworthy condition.

However the ABI warned that some insurers may need to be informed the tyres had been fitted and that the commitment did not cover fitting new wheels in which case individual insurers should be contacted for advice.

Nick Starling, Director of General Insurance at the ABI, said: "Insurers do not want to penalise motorists who take steps, like fitting winter tyres, to improve their safety on dangerous winter roads.

"Last year cold weather came early and there was some uncertainty for customers about the insurance implications of fitting winter tyres. This commitment clarifies the position for motorists."

What to do if the worst happens?

Most brokers and insurers have a claims helpline for you to call and receive quick advice as to how to deal with the incident. Ensure you have the correct details to hand.

For more information call the Private Clients team on 0800 093 3011 or e-mail us at This e-mail address is being protected from spambots. You need JavaScript enabled to view it

Sources: The British Insurance Brokers Association & Insurance Age