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Driving during a red weather warning (is insurance valid)?

  • 01-03-2018 03:11PM
    #1
    Tim76
    Registered Users, Registered Users 2 Posts: 955 ✭✭✭


    Hi all,

    Does anyone know if motor insurance policies will still provide cover if you have an accident whilst driving to work during a red weather warning?


Comments

  • #2
    [Deleted User]
    Posts: 16,720 ✭✭✭✭ [Deleted User]


    They will.


  • #3
    kenkin
    Registered Users, Registered Users 2 Posts: 240 ✭✭kenkin


    Yes you are still covered


  • #4
    colm_mcm
    Registered Users, Registered Users 2 Posts: 73,546 ✭✭✭✭colm_mcm


    kenkin wrote: »
    Yes you are still covered

    In snow.


  • #5
    bazz26
    Registered Users, Registered Users 2 Posts: 51,538 ✭✭✭✭bazz26


    Internet fake news and mischief making all over social media in the last few days.

    Though you have to question the mental capacity of someone other than the emergency services, not heeding the warnings/advice by going out during a red weather warning. Imo these people are a danger to themselves and to the others who potentially may have to go out and rescue them. Just like the fools who stand at the edge of a sea wall being battered by violent waves so they can take a selfie and post it on fakebook.


  • #6
    skeleton_boy
    Registered Users, Registered Users 2 Posts: 2,597 ✭✭✭skeleton_boy


    Guy from AA was on the radio earlier.

    If you have a reason to travel e.g for work, you will be covered.

    If you're going for a spin up a mountain to look at the view, third party damage would be covered but you may not due to negligence.


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  • #7
    tossy
    Registered Users, Registered Users 2 Posts: 9,597 ✭✭✭tossy


    skeleton_boy wrote: »
    Guy from AA was on the radio earlier.

    If you have a reason to travel e.g for work, you will be covered.

    If you're going for a spin up a mountain to look at the view, third party damage would be covered but you may not due to negligence.

    Well if the AA said it .....

    utter BS you are covered.


  • #8
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    skeleton_boy wrote: »
    Guy from AA was on the radio earlier.

    If you have a reason to travel e.g for work, you will be covered.

    If you're going for a spin up a mountain to look at the view, third party damage would be covered but you may not due to negligence.

    This must be a joke.

    What negligance?

    No insurance policy prohibits driving during red weather warning.


  • #9
    DaveyDave
    Registered Users, Registered Users 2 Posts: 6,479 ✭✭✭DaveyDave


    When the hurricane was happening this nonsense was posted all over social media to the point insurers had to send out emails saying you're still covered. Got the same email the other day about the snow.


  • #10
    byhookorbycrook
    Moderators, Education Moderators, Regional South East Moderators Posts: 12,541 Mod ✭✭✭✭byhookorbycrook


    http://www.insuranceireland.eu/news-and-publications/news-press-release/insurance-ireland-severe-weather-advice


  • #11
    Veloce
    Registered Users, Registered Users 2 Posts: 1,289 ✭✭✭Veloce


    Contributory negligence - it's a common tort law reference. And car insurance providers do use this avenue in court to avoid making a payout in the event of a claim. Depends on circumstances of course.


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  • #12
    skeleton_boy
    Registered Users, Registered Users 2 Posts: 2,597 ✭✭✭skeleton_boy


    tossy wrote: »
    Well if the AA said it .....

    utter BS you are covered.

    Yes if a motor insurance company state this, it must be BS. :rolleyes:

    https://twitter.com/aaroadwatch/status/969201903321182208
    CiniO wrote: »
    This must be a joke.

    What negligance?

    No insurance policy prohibits driving during red weather warning.

    As above. From what I heard, if you travel in these conditions with no good reason you may not be covered for your own car.

    The example he gave was a doctor being covered attempting to get to work but someone getting into an accident going up sallys gap just to have a look MAY only be covered for third party damage.

    I'm in no way an expert but there is a clause in there that means you don't have 100% coverage. It seems to be discretionary in nature.
    Veloce wrote: »
    Contributory negligence - it's a common tort law reference. And car insurance providers do use this avenue in court to avoid making a payout in the event of a claim. Depends on circumstances of course.

    Contributory negligence, that was it.


  • #13
    Gravelly
    Registered Users, Registered Users 2 Posts: 4,119 ✭✭✭Gravelly


    skeleton_boy wrote: »

    The example he gave was a doctor being covered attempting to get to work but someone getting into an accident going up sallys gap just to have a look MAY only be covered for third party damage.

    I'm in no way an expert but there is a clause in there that means you don't have 100% coverage. It seems to be discretionary in nature.



    Contributory negligence, that was it.

    I'm no insurance or legal expert, but I struggle to see how this could be the case - there's nothing in my insurance policy saying that I have to have permission from my insurance company to drive anywhere, or that I need to have a valid reason before I hop in my car. If I pay my car insurance, and I'm not breaking any law, or ignoring any policy exclusions, I very, very, much doubt they can refuse to cover me on the grounds that they didn't approve of my reasons to go somewhere.


  • #14
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    skeleton_boy wrote: »
    Yes if a motor insurance company state this, it must be BS. :rolleyes:

    https://twitter.com/aaroadwatch/status/969201903321182208



    As above. From what I heard, if you travel in these conditions with no good reason you may not be covered for your own car.

    The example he gave was a doctor being covered attempting to get to work but someone getting into an accident going up sallys gap just to have a look MAY only be covered for third party damage.

    I'm in no way an expert but there is a clause in there that means you don't have 100% coverage. It seems to be discretionary in nature.



    Contributory negligence, that was it.


    But can driving on a bit of snow be a contributory negligence?
    I don't believe they would find a lawyer who could prove that.


  • #15
    Veloce
    Registered Users, Registered Users 2 Posts: 1,289 ✭✭✭Veloce


    CiniO - are you a legal professional?


  • #16
    [Deleted User]
    Posts: 17,728 ✭✭✭✭ [Deleted User]


    Veloce - are you a legal professional?


  • #17
    Toyotafanboi
    Registered Users, Registered Users 2 Posts: 12,917 ✭✭✭✭Toyotafanboi


    I dont think you'd have to be to know that your insurance is still valid in a red weather warning.

    It's only invalidated by contributary negligence for the same reasons it would be if there was no weather warning in place.

    If you need to be out and you take the car out, it's covered. Common sense should be able to dictate a lot of your circumstances though and keep you out of most scenarios that could end in an insurance claim.

    There was a red warning during Ophelia wasn't there? Can I not drive in the wind and rain now too?


  • #18
    Cienciano
    Registered Users, Registered Users 2 Posts: 14,132 ✭✭✭✭Cienciano


    Too many grey areas. Fine if you're an ambulance driver and has to go to work. What if you work in a shop and your boss tells you that you're expected to be in work? OR if you think you need to go to the shop to get food, but you're not exactly going to die from starvation if you don't go? I can't see any reason why you're not covered tbh.


  • #19
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    Veloce wrote: »
    CiniO - are you a legal professional?

    Guess :)


  • #20
    goz83
    Registered Users, Registered Users 2 Posts: 8,035 ✭✭✭goz83


    Im covered for social, domestic snd pleasure purposes. So if I find I want to drive in dangerous weather conditions for reasons of pleasure...then I am still covered. Such nonsense circulates the interweb.


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