Don’t drive abroad without these checks

British motorists planning on driving on the continent this Winter are advised today by the comparison website Insurancewide.com to check European motoring laws to avoid unnecessary fines and holiday chaos.

James Harrison, chief executive, advised motorists: “It really does pay before you set off to check European motoring laws and to check that your car insurance policy covers you for accident or breakdown abroad. To drive in the European Union, it is compulsory to have at least third party car insurance. UK car insurance policies should automatically provide you with a Green Card; also known as the International Motor Certificate. The Green Card is evidence that you have the minimum insurance requirement to drive abroad and is an internationally recognised document. But beware, it will only cover your liability to a third party and doesn’t include any damage to your own vehicle or any medical or hospital expenses you may incur.

“Even if you have comprehensive car insurance in the UK, some insurers will not extend this to trips abroad – they will only offer third party cover. If you want the same level of cover as you have in the UK, call your insurer to discuss your options before you go. They may charge an additional premium and breakdown assistance might not be automatically included.”

“A separate European breakdown policy usually includes benefits such as repairing your car at the roadside, the return of your car to the UK if it cannot be driven and the cost of travelling home if your car is stolen as well as legal cover and the delivery cost of replacement parts of they are not available locally. Compare the market carefully and be clear what you want to be covered for before you buy – don’t blindly make do with the cheapest policy going.”

“Finally, be aware that insurers tend to limit the number of days that you can have your car abroad in any one year.”

Don’t set off un-prepared…

Carry all your insurance documents, car registration documents and full UK driving licence with you at all times

You should obtain your Green Card from your insurer free of charge. This is proof that you have the minimum level of car insurance required for driving – third party car insurance cover.

Make sure your car service is up to date and your car is fully roadworthy

Adjust your lights so as not to dazzle other road users on the continent

Familiarise yourself with local road signs and traffic laws

Make sure the compulsory GB sticker is completely visible on your car

Check international speed limits. Some countries such as France and Spain automatically reduce these when it rains.

If you are driving up the mountain to a ski resort you need to carry snow chains, otherwise you could be stopped, turned away and given an on the spot fine.

A car kit containing a warning triangle, spare bulbs, first aid kit, fire extinguisher, high visibility jacket headlight deflectors, a GB sticker, are essential when driving on continent. Buying the kit on the ferry is likely to cost more than buying it in the UK.