Car Insurance When Travelling In Europe

Car Insurance EuropeThe AA states that more than a quarter of a million UK drivers will travel into mainland Europe each summer, and it is fair to say that many, if not most of them, will not have a clear understanding of the limits of their car insurance policies, meaning they will not know what they are and are not covered for them when in Europe.

Put another way, many of the motorists who leave the United Kingdom to drive through the European continent may face unpleasant surprises if they are unfortunate enough to be involved in situations such as accidents where they have to file claims through their car insurance policies.

The disadvantages of downgraded insurance in Europe

One of the disadvantages of leaving the United Kingdom as a driver with a British car insurance policy is that if you have a fully comprehensive car insurance policy, it may be downgraded immediately to third party basic insurance in Europe, which can leave you, the motorist, vulnerable to the numerous risks involved with a third party only insurance policy.

While a third party only insurance policy still meets the minimum amount of car insurance you are legally required to have to drive in Europe, having such a basic level of car insurance could leave you as a driver extremely vulnerable to a range of bad situations on the road.

An example of a bad scenario that could occur with such a low level of car insurance cover is that if your car is stolen while you are abroad, having downgraded insurance could potentially mean that your car would no longer be considered to be insured. Additionally, depending on the different circumstances and situations, having third party basic insurance could leave you, the policy holder, at a greater risk of having to pay for any cases of incidental damage to the vehicle. You might also have to pay for injuries that occur to a person in an accident.

Can you obtain extended cover for driving in Europe?

Instead of going without knowledge of the potential decreases you may face in your existing car insurance policy when travelling abroad to Europe, it is a good idea to inform yourself by checking the terms and conditions listed in your insurance policy; this is especially important if you have any plans of travelling to different countries with your vehicle. If you are one of the many people who currently has a car insurance policy up for renewal, this may be a good time to compare quotes and offers to help you find an insurance policy that is better suited to meeting your needs.

What should you look for in quotes for European car insurance?

One example of what you should look for when considering new quotes for car insurance is plans that cover any areas where you may travel in the near future. You can then choose a car insurance policy that provides you with the option of choosing a fully comprehensive car insurance plan for your next trip to Europe.

There are many insurance companies that will offer such levels of coverage. Some insurance companies may ask you to pay a small extra premium, and others may ask you to find out about where you plan to travel and how long you intend to stay there.

No matter which specific variations you come across when selecting your next car insurance policy, it is worth taking the extra time and effort to research different plans thoroughly so you can rest assured that you will have the coverage you expect and require the next time you’re out of the country.

What are the risks of not having proper coverage?

As discussed above, something as small as a bump on your car and a local in your host country may require you to pay innumerable costs. Don’t risk it.

Useful Guides For Travelling Across Europe

If you’re currently planning a holiday across Europe, here are a few extra guides that may be useful to you: