Aviva is texting over 500,000 of its motor and household customers today warning of the perils of the continued arctic conditions.
The text says: "Please take care in the cold weather, if you have to drive, take a spade, food and a blanket. At home, leave the heating on to avoid burst pipes."
The UK's largest insurer sent similar messages to customers in the freezing temperatures last January after fears that many homes could suffer from burst pipes.
Rob Townend, director of claims, at Aviva said: "Obviously when we have such extreme weather conditions, as we have now, it makes sense to send advice to customers as quickly and simply as possible, so where we have mobile numbers for our customers - and they have said they are happy for us to contact them - we are sending little reminders to be extra careful in the cold snap.
"We hope it might prevent some of the soaking homes that we saw last winter as a result of water-damage caused by burst pipes and perhaps a short message about the driving conditions might make people think twice before they venture out in their cars."