Snow tyres and driving in hazardous conditions

Snow tyres are common place in other countries, however, the fitting of them in the UK is causing confusion amongst motorists when it comes to the effect it will have on their car insurance.

With more snow and freezing temperatures predicted, Direct Line has the following tips for drivers planning to have snow tyres fitted.

Tyres should be fitted by an expert.

Direct Line does not charge an additional premium for having snow tyres, however other insurers may do, so drivers should check with their insurer.

If buying a new set of wheels for snow tyres, drivers should try to purchase the same wheels they already have. If they are different, drivers should check with their insurer, as some wheels may be determined as a modification and incur an additional insurance premium.

Snow tyres should only be used in cold weather. Remember to let your insurer know you have removed them in the warmer months.

Snow tyresare notguaranteed to prevent an accident, especially as the majority of cars on the road will not have them. With the current extreme weather drivers should thinkcarefully before venturing out on the roads.

Even with snow tyres fitted in extreme weather, extra caution is required when driving.

Andy Goldby, Director of Motor Underwriting at Direct Line said: "Customers should always inform us of any modifications or changes to their vehicles. While we do not increase or decrease premiums for the fitting of snow tyres, we would strongly recommend that they are installed by an expert and should only be used in winter conditions."

For those motorists who must use the roads, Direct Line has some top tips for driving in hazardous weather conditions:

Use the defroster and windshield wipers for better visibility. Ensure the blades are in good condition, with no splits, de-ice the screen completely and ensure the blades are not frozen to the screen before operating. Failure to do so may result in the protective fuse blowing. It is also worth adding an anti-freeze inhibitor to the screen wash fluid container.

Once on the road, check your speed and turn slowly, even if the roads have been gritted .

In extreme conditions try not to stop on an upwards hill as you may find it hard to move off. You may be better to wait at the bottom of the hill for the whole stretch to be clear before attempting it.

Give more warning than usual to other drivers when turning, stopping or changing lane.

Keep plenty of distance between cars. You never know when you'll hit an icy spot. If you pass the same landmarks as the car in front of you within three seconds, you are following too closely.

Pump the brakes slowly and gently if your car does not have anti-lock brakes. Constant pressure can cause them to lock and skid.

Be extra wary of black ice - it is an invisible danger that can catch out the most careful driver.

Approach corners at a steady speed, in as low a gear as possible. Don't touch the clutch unless it is absolutely necessary, steer smoothly and avoid braking on the bends.