Winter Driving Conditions

Although Spain is known for its mild climate, winter driving conditions can become challenging, particularly in mountain regions and northern provinces. Fog banks roll across valleys, sudden rainstorms reduce visibility, and temperatures in rural areas drop below freezing. These conditions often lead to a rise in claims — but the outcome depends heavily on what your policy includes. Understanding the limits of winter cover helps drivers avoid costly misunderstandings.

Accidents in Winter Conditions

Most comprehensive insurance policies cover collisions caused during bad weather, including loss of control on icy roads or reduced visibility in fog. However, if the vehicle was being used in unsafe conditions — such as attempting to drive on a road where snow chains were legally required but not fitted — insurers may take this into account when assessing liability.

Some policies specify that drivers must take “reasonable precautions.” Ignoring winter warnings, road closure signs, or chain requirements may be interpreted as failing to do so.

Damage From Snow or Falling Ice

Branches weakened by cold weather, falling icicles, and snow sliding from roofs can all damage vehicles. Comprehensive insurance typically covers this type of damage, but third-party policies do not. Drivers should be aware of these differences when parking in winter conditions.

Visibility-Related Incidents

Reduced visibility is a major contributor to winter accidents. Insurers expect drivers to keep lights, windows, and mirrors clean and functional. Claims may become complicated if lights were faulty, windscreens obstructed, or visibility equipment neglected.

Windscreen Cover

Winter driving exposes windscreens to sudden temperature shifts, freezing washer nozzles, and road debris kicked up by other vehicles. Windscreen cover is not included in all policies, so checking for optional protection can save money and frustration during the colder months.

Know Your Cover Before You Travel

Before embarking on a winter journey:

• Review your policy’s breakdown and towing sections.
• Confirm whether snow-related damage is included.
• Ensure you have windscreen cover and understand excess limits.
• Check visibility equipment and prepare for sudden weather changes.

Winter travel does not need to be stressful. With the right insurance cover — and a clear understanding of what is and is not included — drivers can face the season confidently and safely.