The Geneva Trap by Stella Rimington

A man in Switzerland is forced off the road after dropping his daughter off at the airport. A mysterious fellow keeps depositing and withdrawing funds from a Swiss bank. And a Russian intelligence agent demands to speak to MI5 agent Liz Carlyle about a top-secret project that may have been compromised.
But how is it all tied together?

The Geneva Trap starts with a bang (the aforementioned car "accident") and never lets up. If you're in the mood for a some good escapist spy lit on these never-ending winter days, check out The Geneva Trap.
Author Stella Rimington is a former director general of MI5 so the story has a ring of authenticity to it.