I’ve always taken as read that if you opt for comprehensive car insurance that’s what you get, so was horrified having just changed insurer I though I’d read thru the insurance documents sent after the policy was taken out to find that comprehensive only applies to the UK, Isle of Man and the Channel Islands.
For Europe it states:
Different cover applies in different countries
You also have the minimum cover you need by law to drive in any country within the Green Card Free Circulation Area. This applies as long as your car is registered in the UK and is not abroad for more than
90 days, in any single policy year. However, should you require more than the 90 days you’ll need to
contact us. Any extension of cover will need to be agreed by us and you’ll be required to pay an additional premium. Just go to Your Account.
Please be aware that you will only have the minimum car insurance required by the countries in the Green Card Free Circulation Area which is usually equivalent to third-party only cover. So, you’ll be insured for damage to other people’s cars and property but not your own.
So any European trips the policy only offers third part insurance. There was simply no mention of this reduced cover in all the information prior to buying, and I’m wondering what others experience / knowledge is. Is this 3rd party in Europe standard practice for all car policies?