Driving in the fog or thick cloud isn't enjoyable at all, but did you know it could impact your car insurance?
An expert at USwitch claims premiums could be affected if motorists are involved in a crash when they drive against weather advice.
Florence Codjoe, from the car insurance provider, 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."
USwitch warns police could pull drivers over if conditions are impacting their ability to focus on the road.
The Highway Code states drivers should always leave a four-second gap between their vehicle and the car in front in bad weather.
And road users must avoid driving between markings when visibility is severely reduced.
When visibility is limited and motorists can't see more than 100 metres, drivers must switch on their headlights.
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But failing to turn these off when their visibility improves can also land them trouble on the road as it could blind others.
Having visible windscreens is also important and drivers are told to wipe any dampness or condensation when it happens.
AXA says car insurance firms expect drivers to follow the rules of the road and observe traffic at all times.
So in that case road users should drive sensibly on the road, particularly in bad weather conditions.
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However according to AA, motorists can drive in any weather warning but it's important to be "aware of the risks".
A spokesperson said: "You can drive during any weather warning, be it red, amber or yellow.
"But the aim is to make you aware of the risks and their likelihood so that you can plan ahead.
"Your insurance provider won't invalidate your policy just because you had to drive in heavy snow or strong winds."
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