When you thought we suffered enough in the cold and wet depths of winter, it seems it gets worse. More Than, the insurance company, have claimed extreme winter weather will effect your home and your car, and in turn probably effect your insurance premiums.

During this period, the first 3 months of the year, they think road users are 50% more likely to have problems with their cars, and it is certainly advised breakdown cover should be purchased.

The other alert More Than is warning the public about is thieves stealing cars while people wait for them to warm up. It may seem obvious, but there are a lot of opportunists about who wait for these opportunities to arise and it would mean an expensive and embarrassing claim on your car insurance.

Burst pipes are fairly common over the cold season and it is advised to keep central heating running for as long as possible over this period, to avoid the hassle of having to claim on the home insurance.

Another good tip is to leave any insurance details with a trusted neighbour if your house is going to be empty for an extended period of time, just in case.

Fast winds, snow and extreme wet weather has plagued the UK for the last couple of weeks and this hostile weather has caused many problems on the road. The Highway Agency has advised drivers to pack extra clothes for warmth in case of an untimely breakdown.

Breakdown cover comparison websites are excellent places to see where to get the best deal and you can also compare household insurance here as well!

Consumers with car insurance have been told if they are travelling on January 2^nd, be warned as it is reportedly the most active day for breakdowns on the UK’s roads and this will continue into January.

The company Britannia Rescue have stated that motorists have a 63 per cent over the average chance if breaking down, when work resumes after the festive season. Andrew Beard of Britannia Rescue has said be warned of a “difficult journey” for car insurance customers and any other people using the roads on this day.

In clarification, he said: “As well as the possibility of poor weather conditions and heavy traffic, there is the added risk of cars failing to start or breaking down as many more cars than usual will have been idle over the Christmas period.”

However, drivers could take safety measures by making sure their means of transport undertake their “usual services and checks”, said Mr Beard, also adding that vehicles should be taken out for a quick drive at least once over Christmas and New Year. If the worst comes to worst, breakdown cover as part of your car insurance will help to stop the stress of it happening.

On top of problems happening on the road, they can also happen at home, by cars failing to start at all and Mr Beard said road users should think about adding the house-call option to their motor insurance policy.