Winter Driving: Uncover Hidden Insurance Gaps, Prepare Now!
Personal Finance
C
CNBC TV18•05-01-2026, 13:54
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.
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