Driving in adverse motoring conditions

Commenting on the adverse motoring conditions caused by the 2010 "Big Freeze", Steve Sweeney, head of motor insurance at moneysupermarket.com, said: "Motorists should ready themselves and their vehicles for ice and snow before taking to the roads.

Abandoning your car

"In the unfortunate event that motorists do need to abandon their vehicle, insurers will still look into a claim if one is made - as long as the car is visible, it doesn't matter where it is parked.  If motorists are at all unsure it's worth speaking to the insurer ahead of any journey to clarify their stance on insurance for abandoned vehicles

Motor breakdown

"Comprehensive motor breakdown cover is a must for motorists to avoid being stranded in the cold. I advise Brits make regular checks to their vehicles before driving to avoid being a victim of a breakdown. Taking regular precautionary measures such as checking the oil level, anti-freeze, hazard lights, and tyres for tread depth and pressure, and stowing a spare tyre in the boot of your car are a good idea. It is also essential your vehicle holds items such as a torch, reflective triangle sign, high-visibility jacket, first aid kit and jump leads."

Further tips:

"In weather conditions like these it's important drivers are extra vigilant and prepared for the potential actions of less responsible road users. It's advisable motorists keep an adequate distance from the vehicle in front and take particular care to look out for pedestrians, cyclists and motorcyclists.

"Furthermore, in cold or icy conditions, I advise motorists not to leave their vehicles unattended whilst warming up their engine, and it's important to drive carefully and take care not to accelerate, brake or take sharp corners suddenly. In the most severely affected areas, avoiding non-essential travel is vital, but drivers need to think ahead about the increased risk of breakdowns and accidents caused by hazardous driving conditions if they do need to get behind the wheel."