Irish motorists could face insurance nightmares as unprecedented red weather warning sweeps nation
In a shocking development that affects millions of Irish drivers, insurance experts have warned that driving during Storm Eowyn’s red weather alert could potentially void your insurance coverage – leaving motorists financially exposed during one of Ireland’s most severe weather events.
As Storm Eowyn barrels towards Ireland with wind speeds expected to exceed 130km/h this Friday, Insurance Ireland has issued a crucial clarification about coverage during extreme weather conditions. While comprehensive policies typically cover storm damage, insurers maintain the right to reject claims if drivers are found to be “reckless” during severe weather conditions.
“Damage to cars caused by the storm is covered by comprehensive motor insurance policies,” confirmed an Insurance Ireland spokesperson, who added a critical caveat about driver responsibility. However, the devil lies in the details – insurers can contest claims based on “contributory negligence,” potentially leaving drivers unprotected.
For those with third-party fire and theft policies, coverage extends only to damage to other vehicles, personal injuries to others, and damage to your own vehicle in cases of fire or theft.
The Road Safety Authority (RSA) has stepped in with urgent guidance, emphasizing that dangers persist even after the storm passes. Key safety measures include:
• Reducing speed and increasing braking distance • Avoiding flooded roads entirely • Using dipped headlights at all times • Watching for falling debris • Maintaining extra distance from high-sided vehicles
Local authorities and An Garda Siochana are expected to implement road closures and diversions across affected areas, with drivers urged to respect these safety measures without exception.
With Met Éireann predicting “severe, damaging and extremely destructive gusts,” the message is clear: unless absolutely necessary, stay off the roads this Friday. For those who must venture out, understanding your insurance coverage – and its limitations – could be the difference between financial security and disaster.
