Driving in icy conditions and your insurance
If you skid and hit something, that is your own fault. What that means depends on your cover.
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What is covered
Damage to the other party falls under your third-party liability cover, which is compulsory. It does, however, cost you no-claims years.
Damage to your your own car caused by skidding is only covered with comprehensive cover. With third-party only and third-party, fire and theft you pay for it yourself; third-party, fire and theft does not cover damage you cause yourself.
Winter tyres
in the Netherlands not compulsory, and not having them is not in itself a reason to refuse cover.
In some European countries they are compulsory during certain periods or in certain conditions. If you drive there without them, that can have consequences when you claim, on top of a fine on the spot.
Where things go wrong
What does count is carelessness: driving on worn tyres below the legal tread depth, or continuing to drive despite an express weather warning when there was no need to.
That is not an automatic refusal, but it can lead to a dispute with a large claim.
What to do when you have a claim
Photograph the situation including the road surface and any traces of grit, and note the weather conditions. If there is a dispute about how it happened, that is your evidence.
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Frequently asked questions
This is what people ask us most.
Is skid damage covered?
Damage to the other party through third-party cover; damage to your own car only with comprehensive cover.
Does third-party, fire and theft cover skid damage?
No; it does not cover damage you cause yourself.
Are winter tyres compulsory?
Not in the Netherlands. In some European countries they are during certain periods.
Can the insurer refuse a claim if I have no winter tyres?
Not in the Netherlands on that ground alone; worn tyres below the legal standard are another matter.
Do I lose no-claims years?
For an at-fault claim, yes, even if the icy conditions played a part.
What should I record when I have a claim?
The road surface, traces of grit and the weather conditions.