Tips for driving in extreme weather

One of the most predictable things about the British weather is that it's totally unpredictable.

From flash floods and gale force winds to snow drifts and golf ball-sized hail stones, the UK gets all kinds of weather.

But what does this all mean for our cars? And more specifically, how does it affect your car insurance?

How should you drive through heavy rain?

Heavy rain isn't easy to drive through, so if your journey isn’t essential, consider delaying the trip if you can.

If you must drive, remember stopping distances increase in wet weather. Leave at least a four-second gap between you and the car in front.

Be aware of cars around you, particularly if they make any sudden turns, as you could be sprayed with water which in turn could reduce visibility.  

Depending on the circumstances, you may also need to turn on your dipped headlights so you can see the road ahead and be visible to other drivers. If you feel like your windscreen is misting, turn on your air conditioning.  

If severe weather is expected, you should also make sure your home is protected.  

Should you drive if there are flood warnings?

No, driving is not recommended if there are flood warnings.

Keep an eye on local forecasts, as the Met Office and the Environment Agency have accurate and trusted information on predicted weather patterns.  

Don’t attempt to drive through high water. It could put other motorists in danger, as just two feet of water can sweep a car away.

Don't assume your car will be safe to drive through a flooded area just because you see another car doing so successfully.

If your area is flooded and your car is submerged, don’t try to start the engine. If you really must drive, keep your car in first gear and drive as slow as you can.

What should I do with my car if there are flood warnings in place?

If possible, move your car to higher ground.

If you take a risk and drive your car into a flood, your insurance may not cover you for any damage caused.

Read our guide to flood damage and car insurance.  

How should you drive in wind or high gales?

High winds are extremely unpredictable for driving, so you should travel with extreme caution, especially on open roads where there is little coverage.

The best way to drive in high winds is to make sure you keep a close eye on the road and a hard grip on the steering wheel.

Make sure to keep a large amount of space in between the driver in front of you.

Should you drive in fog?

Thick mists can be beautiful if you’re walking in the countryside, but the fogs they create are much riskier for motorists.

Unfortunately, in fog, there's not much you can do to significantly improve your visibility, except from using your front and rear fog lights to help other motorists see you.

But you shouldn’t use your high-beam headlights if the fog is very thick, as their light will reflect off the fog and make it even harder for you to see.  

Make sure you drive slowly to help lower the risk of accidents.

How can you be prepared for snow and ice?

Check the forecasts regularly during cold periods.

If snow or ice is predicted, grit your driveway in advance so you’re able to get in and out of your home safely. If you don't have grit, cat litter works just as well.

You should always keep an emergency kit of useful items in your car, particularly during bouts of cold weather.

Things like blankets, extra layers, a torch, some food, water and a spade may all come in handy if you end up stranded in your car.

If the forecast looks bad, it can be useful to have a read of the Highway Code to avoid any penalty fines.

Did you know that if you drive with snow on your roof or blocking your windows you could end up with penalty points?

How should you drive in snowy or icy conditions?

Drive slowly and carefully, even if there's no visible snow or ice.

If the temperature has dropped below zero it's possible there could be black ice on the road, which can be particularly hazardous as it’s difficult to spot.

There are ways to prevent problems when the snow starts to fall. Here’s what you can do:

• Make sure the journey in the car is necessary – you should avoid driving on snow if you can.
• Make sure you have the right equipment to help you in a snow emergency – a shovel, ice-scraper, demisting pad, spare screen wash, plenty of de-icer, phone charger, map, and a big square of carpet for your tyres to grip on should you get stuck in the snow.
• Your tyres should be fully inflated – and they also need to meet the minimum legal tread-depth requirements.
• Consider specialised tyres – if you live in an area that's prone to serious snowfall, buying specialised winter tyres or ‘snow tyres’ is a good idea.
• Drive slowly and carefully – the Highway Code advises driving slowly in as high a gear as possible and braking and accelerating gently
• Allow plenty of space between you and the car in front – it can take up to 10 times longer to stop on an icy road.

Does my policy cover me for water damage?

If you have a fully comprehensive policy, you may be able to claim for damage to your vehicle.

However, as a policyholder it’s your responsibility to protect your car from loss or damage.

This includes avoiding unnecessary risks such as driving through a heavily flooded area.

Mechanical and electrical failures are also not covered under your Admiral policy, so don't take the risk if you don’t have to drive.  

Red weather warning car insurance

Your Admiral car insurance will be valid during red alert and amber alert weather warnings. 

As long as you’re following the road rules and driving as safely as possible, you are fully covered with Admiral.  

Please watch your speed, keep an eye on the conditions, and most of all, keep safe.