Insurancewide.com is advising people in the UK to make themselves familiar with the rules of the road before driving abroad. It also suggests motorists should ensure car insurance policies provide the cover they need rather than simply assuming they are protected.
The company indicates that fines and confusion while driving on foreign turf can often be avoided. “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," said chief executive, James Harrison.
It suggests that drivers carry all insurance and car registration documents and full UK driving licence with them at all times. Green Cards should also be obtained before travelling, as these act as prove drivers have third party car insurance cover, the minimum level of insurance required.
"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," explained Mr Harrison.
Car owners should also ensure their cars have been serviced and that they are roadworthy. International speed limits should be checked before travelling, particularly for countries such as France and Spain, where limits are automatically reduced when it rains.
Mr Harrison said: “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.”
"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,” he advised.
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