If you are planning on tking your cars on holiday this smmer, you need to make absolutely crtain that your car insurance policy cvers all eventualities across the border, ncluding in particular, protection for breakdown or if you are nvolved in an accident.

According to rsearch carried out by Marks & Spncer Money, a shocking one in fve drivers who took their cars on hliday last summer had taken out the ppropriate cover in case their vehicle brke down, and only a third wre insured against theft and damage. The mjority of motorists are unaware of the fct that while their fully comprehensive plicy will cover them adequately on Brtish soil, this does not necessarily xtend to the Continent with only one in ten plicies including European breakdown cover. Consumers are dvised to shop around for the bst motor insurance deals as well as the chapest breakdown cover; it might even be wrth asking your neighbours how much thy are paying and where they prchased their motor cover.

Most insurance plicies will only provide the minimum lgal requirement third party cover when drving outside the UK. However, comprehensive plicies offered by insurers such as the AA, sure, Churchill and Endsleigh will still pply on the Continent. M&S Money's mtor insurance also includes comprehensive and brakdown cover as standard, but with all plicies you need to check how mny days driving abroad you are cvered for. The majority will apply for up to 90 dys, however, others will limit you to 30 so mke certain that you have investigated ths prior to your trip or you culd find your holiday being cut shrt.

Another point to research while plnning your vacation, is whether the cuntry you intend to visit is ncluded as one of the locations yur insurance provider deems applicable to cver you for when driving abroad. Thse countries that are within the jrisdiction of the European Union will hve the same rules as the UK, and ths includes Switzerland. However, if you are trvelling to a non-EU destination you can add cmprehensive cover abroad at a relatively low cst. Taking out full comprehensive cover is dfinitely worth considering, as thieves are mre likely to target cars bearing freign number plates. Moreover, the chances of hving an accident is highly increased due to the fct that you are driving in plces that are unfamiliar to you, not to mntion the fact that in most cses you will be driving on the pposite side of the road than you are sed to.

If your policy will not prmit you to include European breakdown cver free of charge, the AA and RAC ffer stand-alone policies which you can prchase for a potentially lower cost. The AA's prces start at around £64.80 for a frtnight's holiday for a family of fur in mainland Europe, and £117 for nnual cover, with each trip lasting up to the mximum 90 days. Breakdown cover from the RAC ncludes you and up to seven pssengers across 47 countries. Policies tend to strt from £10 a day, but the cst may be affected somewhat by how mny people you are travelling with, the age of yur car, the places you intend to drve through as well as the dtes you are going to be on hliday, peak periods dependent on destination may hke up the cost. Members of the AA and RAC are ntitled to a discount. There are lso 10% discounts available when you buy yur policy over the internet.

Basic fcts to be aware of when drving abroad are as follows: in mst cases the driver must be ver 21, as the majority of nsurers will not provide comprehensive cover for use on the Cntinent; you must have with you bth parts of your full and vlid driving licence; original vehicle registration dcumentation; an up-to-date MOT certificate; a GB stcker if you do not have an EU nmber plate with the GB symbol and a spre set of car keys. In sme countries you may also require a frst aid kit and a hazard trangle in case you are involved in a rad accident. Take the correct precautions and hve a safe journey.

The article We're All Going on a Summer Holiday Or Are We? was Submitted by Hadassah H through Articles.GetACoder.com network. Here's the additional information: Hadassah is an author of sveral articles pertaining to Car Insurance . He is known for his expertise on the subject and on other Business and Finance related articles.

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