Are you covered for a crash in Europe?

Brits who are thinking of taking a driving holiday in Europe this May Bank Holiday are at risk of doing so underinsured.

moneysupermarket.com is warning drivers to double check their motor cover before hitting the roads in Europe. Research by the price comparison site found well over a third of drivers (39 per cent) are unaware their motor insurance may be automatically downgraded from comprehensive to third party when driving on the Continent.

Five of the UK's ten leading insurers automatically reduce cover when policyholders travel to Europe. Drivers with motor insurance from Barclays, Direct Line, esure and Swiftcover are most at risk; these policies reduce your existing cover to third party only in Europe.

Richard Mason, director of insurance at moneysupermarket.com, said: "If you normally have comprehensive car insurance, it will come as a shock if you are with one of those insurers who will downgrade your cover for driving in Europe. While it may be in the small print of your policy, our research shows many motorists are unaware of this.

"Every insurer must provide the minimum level of third party cover in all EU countries. So, if there is any damage to your own car, you will be left to foot the bill. Anyone with a holiday home in Europe or who regularly drives in the continent will do well to look for an insurer that automatically provides the same level of cover throughout the EU.

"Drivers really need to be alert to this trick of the trade. Some motorists may be happy only having third party cover while abroad, however those who aren't should look to pay to upgrade their cover. A crash is a horrible experience, but being abroad, not speaking the local dialect, and finding yourself uninsured, could turn your idyllic break into a holiday from hell."