Motorists risk driving abroad with lower than expected levels of car insurance, due to policy wording.
UK drivers are largely unaware that the level of car insurance cover they have while driving abroad is lower than they may think.
According to Moneysupermarket.com, a third of Brits mistakenly think that their car insurance policies gives them the same level of cover as they get at home. In reality, most insurers offer third-party cover while overseas, not comprehensive cover.
Automatic insurance downgrade
According to Peter Harrison, an insurance expert for Moneysupermarket.com: ‘A number of policies automatically downgrade as soon as you hit Continental soil.’
Among the insurers who reduce the level of cover are Churchill, esure, the RAC and Direct Line. The AA, Endsleigh and Marks & Spencer all extend domestic policies to cover up to 90 driving in Europe.
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