Brits underinsured when motoring abroad

Around 7.8 million motorists cross the channel each year, but they should not assume that they have the same level of insurance cover as when driving in the UK.

Churchill car insurance is warning motorists to check their policy to ensure that they don’t end up underinsured and having to pay a bill that’s bigger than the cost of their holiday.

All insurers are required to cover third party cover for travel abroad at no extra cost, but this will not cover any damage or loss to the driver’s own vehicle or possessions.

Many insurers offer a very limited number of free days of comprehensive cover to drive on the continent or none at all. Churchill car insurance policyholders do not need to notify their insurer that they are driving in Europe, as they are automatically covered to drive at the same level as in the UK for up to 90 days at a time.

Many other insurers charge for an extension to enable drivers to have the same level of comprehensive cover as when driving in the UK, which can cost up to £30 for a fortnight abroad.

Darren McCauley, Head of Car Insurance at Churchill said: "Motorists should check with their insurer before they travel that they have adequate cover for their needs. Churchill motorists who become involved in an accident abroad can have the peace of mind knowing that their vehicle will be repatriated to the UK for repair. If it’s more convenient for the customer, they can have their car repaired locally."