Few people are aware that most comprehensive motor policies revert to basic third party status when you take your car abroad. This means that if you were involved in an accident which was your fault, your insurer would pay up for the damage to the other party’s vehicle but not your own. Neither would they pay to recover your car.

Statistics issued by the AA show that the average repair cost in Europe is £400 but the cost of returning your car to Blighty could easily be £1,000.

Those companies that only provide third party cover for driving abroad include Churchill, Aviva (previously Norwich Union), Direct Line, LV, Sheila’s Wheels and Esure. Of the remaining insurers, some provide just a few days free comprehensive cover whilst others preserve the comprehensive cover.

Our very STRONG ADVICE is contact your insurer if you are intending to take your car abroad and double check the level of cover you will qualify for. If it drops to third party cover, get the cover toped up back to fully comprehensive.

The typical cost for upgrading to fully comprehensive is from £15 per week depending on the car you drive but there could also be an administration charge for £20 to £30.

And if you are driving outside the EEC always speak to your insurer and find our what you’re covered for.