European Car Insurance Cover

Compare Car Insurance with European Cover 

Since the Eurotunnel was completed in 1994 it’s been incredibly easy for people in England to hop in the car and head to France for the weekend – or further afield, if you’re happy to clock up the miles after you arrive on the continental mainland. 

The good news is that European car insurance is sometimes included as standard with your regular British car policy, in which case you’d be insured for these road trips to Europe without having to take out any extra cover. 

Of course, it’s vital that you double check that your own insurance provider does include cover for driving in Europe as standard, because if it’s not included and you assume it is you could end up driving without insurance. 

If your current policy is up for renewal soon and you wish to ensure you’re covered for driving in Europe when you renew, it may be time to compare insurance quotes that include European coverage. 

 Compare European car insurance now 

Do UK car policies include European cover as standard? 

Yes, many UK car policies do include European cover as standard, but it’s still important to check your own policy documents rather than making assumptions. 

It’s also possible insurance with European cover as standard may become a little less common after the end of the Brexit transition period, although given the fact that the UK does have a land border with an EU country it’s likely many insurers will continue to include cover for driving in Europe. 

How much is European car insurance cover? 

The cost of your European cover will be influenced by the factors which also dictate your premiums. As a result this means that no two quotes are ever exactly the same. If you wish to add on European cover to your policy if it is not included as standard, you can do this for an additional fee. This fee will differ between insurers, so it’s always best to compare which insurers can provide you with the best European car policies for your money. 

Is European coverage unlimited? 

No, there will almost always be a limit on how long you can drive in another EU country under your ‘driving in Europe’ add-on, and in many cases this limit is quite short – 30 calendar days, for example. 

However, if you’re planning a long stay in France, Spain or another EU country some insurance providers do allow policyholders to take out long-term European car insurance in exchange for a fee. 

6 months or 12 months of European car coverage is certainly doable if you find the right insurance provider and agree to pay the appropriate fee, although there may be a few providers who are willing to offer unlimited European coverage. 

How will I know if insurance already covers me for Europe? 

Your policy documents should outline all of the policy features and add-ons you have as part of your car policy, so begin by checking those documents. Failing that, you could contact your insurance provider to double check with them. 

Is it too late to add ‘driving in Europe insurance’ to my existing policy? 

No, if it wasn’t included as standard most insurance providers will let you add ‘driving in Europe insurance’ to your policy at a later stage, although it probably goes without saying that you might have to pay an additional fee since it wasn’t included as standard. 

What level of coverage do I get if I do have ‘driving in Europe insurance’ as standard? 

That will depend on which insurance provider you went with, and in some cases will also depend on the level of coverage you opted for with your standard policy. 

Some providers will extend your existing coverage level to trips you take to other EU countries, which means if you took out a fully-comprehensive insurance policy in the UK you might have fully-comp while you were driving in Europe as well. 

However, a more common scenario is that your provider might provide you with third party insurance while you’re driving in Europe no matter what level of coverage you have in the UK, so it’s vital that you double check your own policy documents before you head off.