Red Warning

[petesgrayz]

I was told yesterday that if there is a red weather warning on the TV, and you have an accident while driving, your insurance will not pay out.
Is this true.

[hc4361]

No.

[ummmm]

No.

What if the warning was given when you were already out?

[dzug2]

What if you don't have a TV?

[jake-the-peg]

I wonder who keeps putting about these myths 'if such and such or so and so your insurance is invalid'

Oh! Right!

[brionon]

dzug2. Good one. The simplest answers are the best.

[boxtops]

rubbish

[mightyWBA]

These colour coded warnings are so American aren't they?
Whatever happened to just saying if there was a chance of severe weather,even the forecasts have been "pimped up"

Bah humbug.

[DangerUXD]

load of old pony, who puts this BS out?

[BRIGHT SPARK]

Yes it is true, but dont worry because if you smash your car up the tooth fairy will bring you another.

[sigma]

Red warnings signify "extreme weather conditions" so you think your insurance won't pay out because you are driving during a heat wave !!!

[ABerrant]

[sigma] 'Red warnings signify "extreme weather conditions" so you think your insurance won't pay out because you are driving during a heat wave !!!'

The Met Office National Severe Weather Warning Service issues colour warnings for forecasts of severe or hazardous weather events involving rain, snow, wind, fog and ice but not heat.

http://www.metoffice.gov.uk/weather/uk/guide/warnings.html

[Buenchico]

Your insurer is obliged to pay out under the statutory third party cover irrespective of any factors such as the weather.

However insurers can, and do, refuse to pay out on additional cover (such as fire,theft and comprehensive cover) where the driver has failed to use due diligence. So, for example, an insurer would almost certainly fail to pay out for the theft of your vehicle if you left it with the keys in the ignition.

Similarly an insurer would probably refuse to pay out if you wrecked your vehicle after driving past a sign saying 'Road Closed Due to Snow'. They might also refuse to pay out (beyond the statutory 3rd party element) in other circumstances where a driver should have known that it was unsafe to drive. So, for example, if you drive into a flood when there have been clear warnings on TV and radio about flooded roads in that area, you might have great difficulty in getting any money from your insurer.

Chris