Winter Weather and Your Insurance: What Drivers Need to Know Before Travelling

Spain is known for its mild climate, yet winter conditions can create unexpectedly hazardous driving environments, particularly in mountain areas and northern provinces. Fog, sudden rain, icy surfaces, and freezing temperatures all contribute to a rise in seasonal incidents. While most comprehensive insurance policies cover accidents caused by bad weather, drivers must still take reasonable precautions. Ignoring snow-chain requirements or attempting to drive on closed roads may influence how an insurer assesses liability.

Winter also brings risks from falling branches, roof snow, and ice. These are usually covered only under comprehensive policies. Visibility issues are another major contributor to claims, and insurers expect lights, mirrors, and windscreens to be kept clean and fully functional. Windscreen cover is not always included as standard, so checking policy options before travelling is important.

Reviewing breakdown cover, towing provisions, and winter-related exclusions ensures drivers are properly prepared. With the right protection, winter journeys across Spain can be managed with confidence and clarity.

You will find more winter driving tips here.