boring car insurance / closed road q

[FLV]

Aplogoes for the boring question but. ..

My cat is abandoned on a snowy / icy pass. Road is closed. I'd I was heading from home in the car I wouldn't bother going up there. But given that I abandoned it on the way home of I rode up there I'm likely past the worst part.

Question is if I go up later and drive the car with the road still officially closed would I be insured. Just in case like.

Anyone know about this stuff.
I guess they could easily day dover negligence for ignoring signs

[atk]

My cat is abandoned on a snowy / icy pass.

Might be better asking the RSPCA...

[FLV]

ha ha, bloody autocorrect

[Dan_K]

I think the boring answer is to read your insurance policy.
Theoretically, it's public highway but it could be classed as negligence. Could be a clause in your policy....

[FLV]

seems sensible.

I'm not going for it whilst the roads are particularly bad, given that I had to leave it in the first place, but they tend to leave that road shut a long time.

[Dan_K]

I worked in insurance claims for a long time and generally we paid out most of the time unless someone was really taking the piss so I would guess that you would be ok.

If it were me, I'd wait it out rather than risk it but it's pretty easy for me to say that, living in town with the transport links of London. My car rarely gets driven!

[Zippy]

I think given how you were on the road, and then they've effectively closed the road whilst you're on it, you should be ok's technically. It's not like you've driven through the road closed signs/gates etc.

This is of course guesswork and you should really seek actual legal advice and read your small print

(or bring some snow socks, a shovel and an foot pump and wing it )

[fatbikephil]

Snow gates being shut doesn't constitute a road closure - its just a barrier to stop folk getting stuck in the snow. For a road to be closed requires a Traffic Regulation Order so your insured no bother

[FLV]

Interesting.
What about a sign that says

Police.
road closed.

?

[Zippy]

Take it that you still haven't rescued your car then!?

I've just grabbed my autosocks out of the garage just in case as I'm out in the car tomorrow....although slim chance I'll need them...

Police.
road closed.

?

Think they're emergency TRO's....

[FLV]

Have I ekkers like.

I went for a short ride. Went to the pub with the good lady. Got 4 to 6 inch of snow on my drive. Theres a LOT more up the big hill

[Zippy]

There's a polar low coming over the peak district tonight too. Quite likely there will be some more snow

[FLV]

Snow day 2 theN

Frustratingly I was busier today than usual writing reports and spec s
got loads done

[PaulB]

Technically you are uninsured on a closed road if there are signs up. You are OK if you need access to property /business most of the time, but it may only allow access from one direction only. As for rescuing your vehicle... There's a good reason the road is closed. I have been going through this recently with DCC for work and have written permission to cross the line so we are covered.
Paul