British motorists planning on driving on the continent this Winter are advised today by the comparison website Insurancewide.com to check European motoring laws to avoid unnecessary fines and holiday chaos.
James Harrison, chief executive, advised motorists: “It really does pay before you set off to check European motoring laws and to check that your car insurance policy covers you for accident or breakdown abroad. To drive in the European Union, it is compulsory to have at least third party car insurance. UK car insurance policies should automatically provide you with a Green Card; also known as the International Motor Certificate. The Green Card is evidence that you have the minimum insurance requirement to drive abroad and is an internationally recognised document. But beware, it will only cover your liability to a third party and doesn’t include any damage to your own vehicle or any medical or hospital expenses you may incur.
“Even if you have comprehensive car insurance in the UK, some insurers will not extend this to trips abroad – they will only offer third party cover. If you want the same level of cover as you have in the UK, call your insurer to discuss your options before you go. They may charge an additional premium and breakdown assistance might not be automatically included.”
“A separate European breakdown policy usually includes benefits such as repairing your car at the roadside, the return of your car to the UK if it cannot be driven and the cost of travelling home if your car is stolen as well as legal cover and the delivery cost of replacement parts of they are not available locally. Compare the market carefully and be clear what you want to be covered for before you buy – don’t blindly make do with the cheapest policy going.”
“Finally, be aware that insurers tend to limit the number of days that you can have your car abroad in any one year.”
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With the price of fuel at record highs, running a car has never been so expensive. Tesco is helping to reduce running costs by offering motorists 30% off car breakdown cover when they order online.
Tesco offers three levels of cover, Standard Care, Extra Care and Total Care-each one provides the essentials of roadside assistance and a tow to a local garage. But customers can choose to add extra cover, such as a hire car, or transport to their home or original destination in the UK for them, their vehicle and up to seven others. The discount is also available for breakdown cover on the continent with Tesco Euro Care, giving customers peace of mind from only £31.50 per trip.
In the unfortunate event of a vehicle being hit by mechanical problems, car breakdown cover minimises disturbance to travel plans and allows customers to get quickly back on the road.
"With the August bank holiday approaching, now is a great time for families to arrange breakdown cover to ensure their trips go according to plan," says Allan Burns, Tesco Head of General Insurance . "The 20% online discount will also help them save money which can be put towards other enjoyable outings."
With Tesco Car Breakdown Cover, it is the vehicle that is covered, not the driver, so anyone driving the car with the policy holder's permission is covered in the event of a breakdown.
The reduced prices apply to new customers in their first year only.
For more information, visit tescofinance.com |
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