Updated: GMT, 24 January Motorists could be hit with huge bills if they have an accident driving today in Storm Eowyn's hurricane-force winds. As record-breaking mph gusts hit parts of the British Isles, there are warnings insurers might refuse to pay out on claims if they can prove a driver's negligence. This could include drivers going on a road they have been advised not to or failing to take reasonable measures to ensure safety.
It comes as motorists in parts of the country have been told 'don't drive unless you need to' and millions have been sent a phone alert warning of the 'extreme and real risk to life'. Travelling during a red weather warning does not automatically invalidate a policy but insurers say road users must be responsible and take all necessary precautions. A spokesman for the AA said: 'Yes, you can drive during any weather warning, be it red, amber or yellow.
But the aim is to make you aware of the risks and their likelihood so that you can plan ahead. If your car is taxed, has a valid MOT and is insured, you're legal for being on the road. Advice issued by the company includes going 'slow and steady', avoiding country roads, and getting 'kitted up'.
A road sign displaying a red weather warning for Friday on Calder Road, Edinburgh. A rare red weather warning has been issued by the Met Office for Storm Eowyn, warning of gusts of up to mph and 'flying debris resulting in danger to life'. The Road Safety Authority added: 'Avoid unnecessary travel when [the red warning] passes due to the extremely strong winds which will result in fallen trees and power lines, destruction to property, flying debris, and road blockages.
But Nick Millerchip, driving expert at the campervan conversion specialist Van Junkies, has warned drivers should check the type of insurance policy they have as some with third-party protection won't be covered if their vehicle sustains storm damage. He said: 'With the increased insurance prices, many motorists are switching to lower-tier insurance policies to save money.
