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Code red: Am I insured?

Code red? Then we strongly advise you not to take the road. If you do, it is of course your own responsibility. The chance of damage can increase considerably in code red conditions, for example the extreme slipperiness of the past few weeks. How will these circumstances be interpreted by your car insurance company, considering the fact that the chance of damage increases?

Reckless driving

Motorists who ignore the code red and still take to the road are said to be guilty of reckless driving more quickly, according to insiders. Reckless driving is described as irresponsible and dangerous driving behaviour that increases the risk of damage. It is a fact that insurers exclude damage caused by reckless driving, but code red does not directly lead to reckless driving. Are you insured when code red is issued in the Netherlands?

code red

Adjust your driving style

Is there no immediate need to take to the road? Then we advise you not to do so. If you decide - for whatever reason - to get into your car, it is best to adapt your driving style. Be extra alert, look far ahead, accelerate slowly, keep enough distance and be careful when braking. Although you obviously never intend to cause any damage, you can cut yourself a lot of slack at times like this.

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Code red

The answer is yes, your car is insured during code red. When drivers adjust their driving behaviour and speed during dangerous weather conditions, the same amount of money is paid out in the event of damage when the warning is active. Code red or not, reckless driving is legally difficult to determine and is assessed per situation. The policy conditions of a car insurance do not state that your car is not insured in case of code red.

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  • To calculate premiums, we need the zip code of the primary driver. For private use, the youngest driver must reside at the same address as the applicant. In case of business use, you can enter the postal code of the company here.

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