James Walker of Resolver: Keeping life and business on track during the cold snap

PUBLISHED: 11:03 04 February 2019 | UPDATED: 11:03 04 February 2019

Beautiful frosty morning at Ringland. Picture: DENISE BRADLEY

Beautiful frosty morning at Ringland. Picture: DENISE BRADLEY

Copyright: Archant 2019

James Walker of Resolver on how to keep on track in frosty weather.

Every year, the UK gets a dusting of snow and carnage ensues.

I loved the snow when I was younger. But you can tell how you’re ageing by how much it annoys you when you’re getting older.

There’s not much you can do about a snap of cold weather, but here are a few tips to help you avoid some of the common problems we see at Resolver when the mercury plummets.

Warm your pipes

At this time of year we crank up the heating and hope it holds out until Spring. But if you’ve been frugal, have an old house or just get unlucky, you might find that your pipes have cracked or blocked – or the dreaded boiler packs in.

If you’ve been affected, check your home insurance first. You may have some emergency cover for burst pipes or boilers.

You can avoid problems by easing up the heating by a notch or two first and bleeding radiators.

If you’re going to be away for more than a few weeks, speak to your home insurer too – they may have some requirements about
having the heating on a timer during the winter months.

Keys in the car

It’s a cold morning and the car has frosted up. You’re tired and running late and your coffee hasn’t kicked in yet. You’re looking at fifteen minutes of ice scraping and warming up the car.

So you pop outside, slip the keys in the ignition and leave the engine running while you watch the car through the window.

Only to hear the sound of your car being driven off…

Every winter, countless people warming up their car find out the hard way just how quickly it can get stolen.

‘Keys in car’ thefts occur outside the home, shops, post boxes, by cash machines, even at petrol stations.
And when it comes to making an insurance claim, you might find you get a frosty response.

All isn’t lost though. While most insurers include clauses in their contracts about leaving your car unattended with the
keys in (or even open) you can still appeal if your claim is turned down.

If you’ve left the car unattended on the road, your case is shaky, but if it’s on your driveway, it’s by no means straightforward.

Factors like whether you have a gate, if your driveway is visible and how close you were to your car can all help you stand a better chance when it comes to making a claim.

As soon as you’ve reported the matter to the police, note down as much as you can about what happened. I can’t say it enough: the more information you give, the better your chance of winning.

Bumps and scrapes

It won’t surprise you to learn that frosty weather always results in insurance claims going through the roof. If you have a bump – or worse – your insurer will be taking a much closer look at what went wrong.

So keep your distance and drive carefully.

If you hit black ice, the experts recommend taking your foot off the accelerator,
not braking and gently guiding the steering wheel in the direction you want to go.

I get loads of people contacting me about no claim’s bonuses after winter crashes. What can be particularly annoying is if you mention a claimable incident to your insurer but opt not to claim.

The fact that an accident has occurred makes you more of a risk in the eyes of the insurer so this can have an impact on your no claims bonus.

Resolver can help you sort out complaints about pretty much anything – so why not help a friend or relative sort out a problem, get a refund or make a claim.

Check out and share your experiences at

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