What does European Car Insurance cover?

If you plan to drive in Europe, it's a good idea to find a policy that offers the same level of cover as in the UK. But no two policies are exactly the same, so you need to read the small print carefully. Remember too that the cheapest policy is not necessarily the best.

Insurers will usually cover motoring abroad only for a certain number of days during the policy year, often up to 90 days. But the limits vary between insurers, so check that the cover is adequate. If you expect to exceed the limit, you might be able to negotiate a deal for extended European car insurance cover.

Some insurers offer temporary or short term European car insurance that will typically cover your car for between one and 28 days. If you plan only one, short motoring trip to the Continent, temporary cover might be cheaper than standard cover in Europe, but you should still scrutinise the policy details.
  
You should also make sure that the policy includes the countries you intend to visit. Some insurance policies, for example, will only cover countries that belong to the European Union. Don't forget to include countries that you might drive through en route to your destination.

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source : moneysupermarket.com

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