Car insurance downgrade for drivers abroadCar cover may be reduced when on foreign roads

05 June 2011

Many drivers are confused over policy rules when driving in Europe

Many drivers are confused over policy rules when driving in Europe

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, 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 '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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