汽车保险在积雪中仍然有效,但如果因忽视天气警告而发生撞车事故,则支付额可能减少。 Car insurance stays valid in snow, but payouts may be reduced if crashes result from ignoring weather warnings.

英国专家和英国保险人协会认为,在积雪或冰冷条件下,汽车保险仍然有效,索赔要求通常通常得到正常处理。 Car insurance remains valid in snowy or icy conditions, with claims typically processed normally, according to UK experts and the Association of British Insurers. 然而,如果因疏忽驾驶造成坠机事故,如忽视严重的琥珀或红色天气警报,保险人可能因共同疏忽而减少或拒绝付款。 However, if a crash results from negligent driving—such as ignoring severe amber or red weather warnings—insurers may reduce or deny payouts due to contributory negligence. 恶劣天气不会使覆盖率失效,但司机应遵循官方建议,避免不必要的旅行,并谨慎行事。 Coverage is not voided by bad weather, but drivers should follow official advice, avoid unnecessary travel, and practice caution. 在红色天气警告被揭发后, 虚假的社交媒体投诉认为保险无效。 False social media claims suggesting insurance becomes invalid during red weather warnings have been debunked.