A foreign touring holiday can offer some of the most spectacular experiences, highest levels of comfort, and sheer freedom, that you can find in a holiday. Given our proximity to the continent and rapid, cheap and convenient transport options to get your car there, it is easy to see why this remains a popular mode of holiday for many Britons. Relative purchasing strength of our currency means it is even more achievable than ever before. Part of planning your trip however means purchasing the right sort of affordable travel insurance before your departure.
Look out for the details in the small print
Your existing British car insurance does meet the minimum coverage requirements specified under the European Union, as well as some other countries. British insurers are aware of our love to take our cars on holiday with us nonetheless. That said, some of them offer free cover for a certain period annually. It is therefore a great starting point to review your existing domestic policy and see if you have a treat in store for you.
Whether or not you consider your own car reliable, a good extension to consider is breakdown insurance. A separate vehicle breakdown policy, purchased with your travel insurance, or separately can save you hassle that you just do not want whilst on holiday. Elements of such a policy include hiring a replacement car whilst abroad to be able to continue your holiday happily, roadside assistance, acquisition of spare parts, and even home delivery of your car.
How to use your car and travel insurance together
Getting the most out of your travel insurance whilst on holiday means that you should not forget to pack the European Accident Statement. This handy tool is given to you when you buy travel insurance. It allows a pain-free experience should you unfortunately have an accident in your car whilst abroad. It is printed in several languages, and allows you to have the facts on the incident documented whilst avoiding any admission of liability at this early stage. You can also contact the local representative of your insurer who can assist you in navigating any foreign requirements on your behalf.
Whilst the requirement to carry a Green Card on European roads has now fallen away, it may still save you time and stress if you need to explain what insurance cover you have in place.
Making your final preparations
The British Association of Insurance Brokers has even prepared a checklist for you before proceeding abroad to make your trip more enjoyable. Apart from the more obvious items to include in your boot they recommend you remember to pack a spare set of car keys, all your documents including insurance policy, Euro Accident form, driving licence and registration certificate, your safety kit such as warning triangle, first aid kit and extinguisher, and toolkit and spare light bulbs according to the make of your car. Add a GB sticker to your bumper and you are all set for happy touring.
