Winter is coming: 37 million car owners admit to making costly car mistakes

This page includes insights and data from research commissioned by Aviva in October 2024.^{Footnote [1]}

As winter takes hold and temperatures start to drop, research by Aviva reveals the most common mistakes drivers could be making when it comes to getting behind the wheel this winter.

The research, which surveyed 2,001 Brits, reveals that a quarter (25%) are leaving their cars running to de-ice screens and almost a fifth (19%) leave their car unlocked while popping into somewhere quickly.

By doing so, Brits may be unwittingly putting themselves at risk with most car insurance policies excluding thefts of vehicles while the engine is still running. This is also an offence under the Road Traffic Act ^{Footnote [2]} which states that drivers cannot leave vehicles running and unattended while on a public highway, otherwise known as ‘quitting’.

With winter often being wetter – as well as colder – the research also shows that a fifth (20%) of Brits have driven through floodwater or a ford. Although not illegal, doing so could result in motorists being unable to make a claim on their insurance policy, leaving them liable for any repair costs.

Other driving habits include leaving the car unlocked to quickly pop into somewhere (19%), pouring boiling water over a car windscreen to de-ice it (14%). More than a third (36%) of Brits admit to wearing inappropriate clothing and footwear such as big winter jackets, wellies/snow boots or heels. Although  not illegal, these habits could be seen to go against the Highway Code if they prevent the driver from ‘using the controls in the correct manner’ ^{Footnote [3]}. Drivers could face a £100 fine and points on their licence, which, in worst-case scenarios, can increase to a £5,000 fine or driving ban.

Martin Smith, Motor Claims Manager at Aviva, comments: “All drivers have a legal responsibility to ensure their vehicle is in a roadworthy condition and this means making sure all windscreens and mirrors are clear of any snow, leaves, debris, ice and dirt.

“While we all want to get to our next destination as quickly as possible, it pays to be safe, particularly as the risk of an accident typically increases during the winter months. Spending five or ten minutes to prepare your car means that not only are you more likely to avoid an accident, but also a hefty fine - which can be as much as £1,000 - points on your licence or even a driving ban in the worst case scenario.

“If you do leave the engine running to de-ice your car, be sure to remain in your vehicle at all times. Failing to do so means that you may not be able to make a claim on your insurance in the event that your vehicle is unfortunately stolen.”

1. Lights: During heavy snow or even heavy rain during winter days, using your headlights instead of daytime lights means that you are more visible to other drivers.
2. Gears: When setting out, starting off in second gear can help avoid wheel spin during ice and snow conditions. Drive in the highest gear possible, and at a very slow speed when on flat ground. When driving downhill, use third or fourth gear. When turning a corner use a lower gear. If your car is an automatic, consider using the manual override function. This will enable you to select the right gear to avoid braking as it can lead to skidding. In icy and snowy conditions, stopping distances can be increased tenfold so keep this in mind at all times. 
3. Slow and steady: Accelerate and brake very gently and gradually, to avoid your car skidding. During wet and icy weather, the stopping distance significantly increases and so it’s important to leave as much room as you can between your car and the vehicle in front. Winter tyres may also help when it comes to gripping during tough weather conditions – just be aware that in some instances, you may need to let your insurer know if you are using them.
4. Be alert: Be particularly careful when driving on roads where areas are shaded by trees or buildings. Black ice can often be found in these areas as sunlight cannot reach them.
5. Never drive through flood water and take caution driving through fords or tides. Avoid driving through flood water where possible. It’s difficult to see how deep the water may be and you could end up becoming stranded or swept away. Just 30cm of flowing water is enough to move a car ^{Footnote [4]}. During bad weather, fords and tides may be higher than usual and so if you’re ever in doubt, find an alternative route or wait for the tide to lower. It only takes a small amount of water to ruin an engine, so it pays to be cautious.