Whether you’re a student planning a continental road trip or a family of four preparing for your first camping holiday abroad, millions of us are planning to take the car across the Channel this summer.
Reckon you’re insured like you are over here? Well think again as many drivers could find themselves stranded without insurance unless they check the small print of their current deals.
All car insurance policies in the UK cover you for 3rd party insurance if you take your car out of the country. That means if you cause an accident you won’t be forced to sell the house and force the kids to work just to pay off a Frenchman’s medical bills.
In many cases you won’t be automatically covered comprehensively, including for your own medical cover and hospital expenses, unless you fork out for an upgrade.
Research from MoneyExpert.com reveals that 25 per cent of all comprehensive motor insurance policies actually limit your cover to only three days outside the UK. Hardly long enough for that camping holiday. And many policies won’t cover drivers outside of the UK at all – unless you pay extra.
The average period of free foreign cover across all comprehensive motor policies is 56 days, which is plenty if you’re just going for a short stint.
However, some of the UK’s major providers prefer to limit that period to only three days, meaning many holidaymakers could be without cover for three quarters of a two week trip.
And there are a further 25 policies on the market that don’t cover you at all beyond statutory 3rd party cover if you take your car out of the country.
Compare car insurance
Road Trip To Do List
1. Check your current motor insurance policy. You can’t take it for granted that your car insurance will cover you abroad.
2. If you don’t yet have insurance, there are a number of comprehensive policies on the market which will cover you without a charge. The key is to check before you buy. Click here [insert link to car insurance comparison] to compare the deals.
3. Before you travel, print off the relevant policy documents, and keep your policy number to hand at all times.
4. Don’t forget to take emergency phone numbers with you.
5. Check whether you need crime numbers from the police if you have an accident – you may not get a cent if you can’t prove you informed the local authorities.