Summary

Many Britons go on holiday in their cars to Europe each year but not all of them think to check that their car insurance covers them to drive abroad.  We explain below what is required and what you may need to do to be covered sufficiently.

If Driving Abroad Be Sure You are Fully Insured

Around three million British drivers head off abroad each summer to experience first hand the beautiful countries in Europe but regularly mistakenly assume that because they have fully comprehensive at home that they will outside the UK too.

Car insurance providers in the UK offer the minimal protection required by law in some EU countries, and that is road traffic accident cover.   You may have fully comprehensive cover at home with top insurers like Admiral, Swiftcover, Direct Line, Barclays or Esure but your cover abroad is only third party, therefore any accidents costs will cover the third party not yours.

Head of insurance at Moneysupermarket.com, Peter Gerrard says that British motorists just presume they are covered.  "Never assume you are covered abroad – always check your policy.It's very easy to think that because you have paid your premium, your insurance will be valid overseas."

All that is needed is a simple policy upgrade so that you have the same UK coverage whilst abroad.  To cover a year, for all trips less than 90 days, Norwich Union charge £25, and Direct Line charge £19 for a 36 year old driving a Ford Fiesta.  The RAC also charge £25 to increase cover per year (mortgages).

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