Winter Driving: Uncover Hidden Insurance Gaps, Prepare Now!

• Most standard motor insurance excludes common winter issues like battery failure and cold-start engine damage, treating them as wear and tear or poor maintenance.
• Consumables (tyres, brake pads) are typically not covered, even if damaged in winter skids, leading to higher out-of-pocket costs.
• EV owners face specific gaps, including unclaimable reduced range, battery degradation, and charging failures due to cold weather.
• Fog-related minor accidents often incur depreciation deductions on plastic parts, increasing repair costs unless specific add-ons are purchased.
• Motorists must review roadside assistance, clarify exclusions, maintain service records, and ensure timely vehicle servicing to avoid surprises.

Why It Matters: Winter driving reveals critical motor insurance gaps; proactive preparation and policy review are essential.