Are you insured to drive during a red weather alert?

As Storm Éowyn approaches, bringing a Status Red Weather Warning to Ireland from 2 a.m. to 10 a.m. Friday, the Road Safety Authority (RSA) is urging motorists to avoid travel. The storm is expected to cause life-threatening risks, including fallen trees, debris, and power lines. Drivers are advised to stay off the roads during the storm and to exercise extreme caution in its aftermath.

The storm will reach the Midlands early Friday, with a red-level weather warning issued for Offaly, Westmeath, and Roscommon from 6 a.m. to 11 a.m. A less severe orange warning for strong winds will follow until 4 p.m.
In Clare and Galway, a red warning is in place from 3 a.m. to 11 a.m., while Leitrim, Mayo, and Sligo face red wind warnings from 4 a.m. to 12 noon. In Donegal, the red warning extends from 7 a.m. to 2 p.m.
Additionally, an orange wind warning covers the entire country from midnight to 4 p.m. Friday.

“This is not a typical weather event,” the RSA stated. “It has the potential to be a historic storm that poses a serious risk to life. Everyone must act responsibly to protect themselves and others, while reducing pressure on emergency services.”

If you’re thinking about venturing out during the storm, consider this: your insurance coverage may not be guaranteed. While most comprehensive policies cover storm-related damage, reckless driving during a red weather alert could lead to rejected claims.

Covered: Damage from flying debris or falling trees is not classified as an "Act of God" and is typically covered under most policies.
Risky: If you ignore official advice and drive during the alert, causing an accident, your insurer may refuse to pay out due to contributory negligence.
Motorists should review their insurance policies, as terms and exclusions vary between providers. To avoid surprises, check your coverage or contact your insurer directly.

The RSA is urging everyone to secure property and avoid unnecessary risks. The aftermath of Storm Éowyn is expected to bring hazardous road conditions, including blockages from fallen trees and debris, further underscoring the importance of avoiding travel.

By staying home, you not only protect your safety but also reduce the strain on emergency services during this severe storm. Storm Éowyn is not just a weather warning—it’s a call to prioritize safety and exercise caution.

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