Almost a fifth of home and car insurance claims are made in the first two months of the year, suggesting the worst weather could be yet to come for motorists in Northern Ireland and the rest of the UK. As a result, car insurance experts have reiterated their calls for drivers to plan ahead and prepare for harsh conditions.

"The recent bad weather has already had a massive impact across the country, with people becoming stranded in their cars because they weren't prepared for the heavy snow," observes James Hillon from the Co-operative Insurance. "Preparing for the winter weather doesn't need to be costly or time-consuming, there are a few simple steps which everyone can take to protect themselves, their homes and their cars."

He advises Northern Ireland car insurance customers to check their vehicles' anti-freeze levels, carry de-icer and an ice scraper on journeys, check tyres, lights and wipers before setting off, top up windscreen washer fluid and use a mixture containing de-icer.

Preparing an emergency kit for cars is also recommended, including a torch, blanket, first-aid kit, ice scraper and water bottle.

"Our simple advice isn't rocket science," concludes Hillon. "It's more about common sense and forward-planning."