They warn premiums “could be impacted” by driving against weather advice if they are involved in a crash. This could see insurance firms increase premiums or even invalidate agreements in some extreme cases.
Florence Codjoe, USwitch car insurance spokesperson issued the critical warning to ensure road users were not caught out.
She said: “Cold weather paired with snow and fog could affect your car insurance cover.
“With adverse cold weather conditions, your engine oil can be affected as well as your car battery.
Your premium could be impacted if you drive against weather warning advice, and you’re involved in an accident.”
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But failing to turn these off when visibility improves can also land road users in trouble as they could dazzle other drivers.
Windscreen visibility is also vital with road users urged to wipe any dampness or condensation as soon as they can.
AXA says car insurance firms expect drivers to follow with the law and observe road traffic rules at all times.
Because of this, road users should drive sensibly on the roads, particularly in bad weather conditions such as fog and heavy rain.
“Your insurance provider won’t invalidate your policy just because you had to drive in heavy snow or strong winds.
“If your car is taxed, has a valid MOT and is insured, you’re legal for being on the road.”
The UK will be hit with heavy cloud cover for most of the week with temperatures between three and seven degrees.