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Your homeland vehicle insurance will not suffice when traveling to another country, you will have to purchase "breakdown cover abroad". Most, if not all countries require you to have at least a minimum insurance package when transiting their territory, and failure to comply might even fall under criminal penalties. Also, no matter how modern and well-equipped your vehicle may be, problems can happen to anyone. Just because it hasn't happened to you yet, doesn't mean that it won't.

Obtaining foreign car insurance is easy and affordable. If you travel frequently, your current plan, may request the issue of extending insurance coverage to include foreign. With such an option, you will only pay a small monthly premium, no matter how many times you travel abroad. However, if you do not drive overseas often (for example, you only do it on holidays), it would be recommended to purchase an insurance package only for the few days you are traveling. Your insurance company should advise you on the best plan for your needs.

The minimal overseas auto insurance package should include roadside assistance, in case your automobile breaks down whilst on a motorway, and also damage protection, for both your car and others you could damage in an accident. Nothing can be more annoying than your car breaking down on the highway in an unfamiliar country. For long journeys, specialists also suggest adding at least one more driver on your insurance policy - this way you will be protected no matter who is driving at the moment of the incident.

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Edward Fresco is an expert in the field of European Auto Insurance

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