Experts also warned that driving against weather warning advice may see premiums affected at the very least.
Car insurance expert Florence Codjoe said driving through wet weather can affect brakes and obscure visibility causing a safety risk.
She said: “With adverse weather conditions, such as thunderstorms, extreme rain and flooding coming our way, it’s worth checking whether your insurance covers you.
“Driving through flooded areas can affect your brakes and obscure your visibility when driving which means your premium could be impacted if you drive against weather warning advice, and you’re involved in an accident.”
Accidentally breaking this rule can see road users fined up to £5,000 and issued penalty points on a driving licence.
Driving beyond the road conditions and failing to stop for hazards are other ways road users may invalidate their insurance in poor weather.
Experts at Admiral insurance warn that roads may become flooded in periods of heavy rainfall which may cause vehicles to lose control and stall.
Wet weather conditions also increases the risk of vehicles aquaplaning and spinning off the road.
This can create a safety risk for other road users and could see motorists fined for dangerous driving.
Clare Egan, Head of Motor at Admiral warned that driving in heavy rain “isn’t an easy task”.
She urged road users to consider delaying a trip in bad weather but urged those that did head out to keep an eye on road conditions at all times.
She said: “Driving through heavy rain isn’t an easy task as it makes for poor road conditions, including poor visibility as well as an increased risk of aquaplaning, so if your journey isn’t essential, consider delaying the trip until the storm eases off.
“If it’s essential for you to drive, remember that stopping distances increase during wet weather, so you should leave at least a four-second gap between you and the car in front.
“When there’s lots of rainfall roads quickly become flooded. Six inches of water is enough to reach the bottom of most cars which can cause potential loss of control and stalling.
“It’s always best to avoid driving into flood water, as you never know how deep it may be, and if you take a risk you may not be covered by your insurance for any damage caused.
“If you must head out on the roads during the storm, watch your speed, keep an eye on the changing road conditions, and most of all – keep safe.”