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The importance of car insurance in the winter

The importance of car insurance in the winter

Winter can be a notoriously challenging time for motorists

, and with the numerous hazards brought on by the climate and weather of the season, it's vital to ensure your insurance policy provides sufficient cover.

Winter driving precautions begin before you even get into the vehicle, as you should make sure you've kept up with maintenance and services so you can be confident that your car is roadworthy and ready to cope with the snow and ice. The cold weather can also have serious effects on many of your car's controls and connections, making it important to spend some time checking your vehicle thoroughly when starting up in the cold mornings.

Your driving style is also likely to have to be modified when taking on the snow- and ice-covered roads, and if you've never driven in these conditions before, it can be particularly daunting. However, as long as you take care and drive slowly where appropriate, you should be able to avoid skidding and retain a sufficient braking distance from other road users.

If you're planning on escaping the British Isles on a self-drive holiday in Europe - whether to seek solace on a Spanish beach or to embrace the festive spirit at Germany's Christmas markets - you may also want to ensure your vehicle is covered by a European car insurance policy, safeguarding you against accidents, theft and loss in Europe, as opposed to just the UK. Some standard car insurance policies will not include European protection, but a little shopping around could lead you to great deals on cover for accidents and breakdowns overseas. The importance of car insurance in the winter


Be aware though, some European countries have specific requirements for winter driving that can be very different from those of the UK, and it's important to be aware of local driving regulations so you don't inadvertently break the law.

If you are worried about falling victim to adverse conditions, upgrading your insurance to offer more comprehensive cover could be the most effective solution, particularly over the winter period where accidents can be more common. If you decide you no longer require the additional cover once winter passes, you may be able to reduce it, but you should be sure to weigh up the many potential benefits of a premium insurance policy to safeguard your car all year round.

The importance of car insurance in the winter

By: Paul Buchanan
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The importance of car insurance in the winter Ann Arbor