Danger on foreign roads
Half of motorists don’t think they have full UK insurance cover abroad, but are happy to drive on foreign roads regardless, according to Esure. And 6% think that their travel insurance will automatically cover their car whilst abroad – which is never the case.
Only 1 in 10 would call their insurer to check their insurance was valid before they hit the road, and 27% would just rely on checking their insurance documents to see if the cover was valid outside the UK.
Motorists may think that having a Green Card within their insurance documents means they’re covered when driving abroad. However, this only provides proof that a motorist has the appropriate minimum level of cover required to drive in that country – usually third party cover only.
Motorists must call their insurer to get their cover extended to fully comprehensive and flag-up that they’d be taking their car into Europe – in case they need to make a claim.
Mike Pickard, head of Risk and Underwriting at Esure, said: “It is crucial for motorists who intend to take their cars to Europe to call their insurer and tell them that they want to extend the level of cover they have for driving abroad.
“It is also vital that motorists understand the basic rules and regulations for driving on foreign roads and be fully prepared by planning their journeys, carrying the essential equipment and giving their car a maintenance check before setting off.”