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Are you covered by your car insurance?

The first thing that you should check is whether your policy allows you to drive abroad. Many insurers will automatically downgrade your insurance if you take your car to Europe, with five of the ten leading insurers implementing this automatic downgrade policy.

Although government regulations state that insurers must provide the minimum level of third party cover in all EU countries, many will fail to foot the bill if your own car gets damaged.

Motorists who travel regularly to the continent should check that they are comprehensively insured when driving abroad. Some providers offer insurance which isn't affected by travel. However, the length of time you are insured for even under these policies is generally capped at between 60 and 90 days.

Even if you rarely drive abroad, it's important to read the small print of your policy carefully to check that it covers you sufficiently. Although around 75 per cent of car insurance sold is comprehensive, some of these comprehensive policies do not include third party cover. You should also be aware that many policies which extend cover to additional drivers have restrictions. For example, the car may have to be privately owned and those under 25 may not be covered if they drive it.

Be aware that many providers keep basic premiums low by adding 'essentials' as 'optional extras'. Many comprehensive policies do not include courtesy cars or legal protection as standard, while windscreen damage is also often excluded. It is vital to look beyond the price and find out what is actually included in the quote that you are given.

The best way to do this is through obtaining personally tailored quotes from independent providers such as Auto Direct, who offer car insurance quotes on their website. This will enable you to specify your requirements and find out about any important exclusions.

Compare the prices you are quoted by checking comparison sites and tracking down cheap deals by searching terms like 'car insurance UK' in Google.

About the Author

For great value quotes, discover cheap car insurance quotes from Auto Direct. With Auto Direct comprehensive car insurance you get personal accident cover of up to ?10,000 in the event of a serious injury.

Article Source : ClickEasyArticles.com

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