From This is Money:
It’s a little-known fact that most comprehensive motor insurance policies revert to basic third-party cover once you cross the Channel.
So, while you’ll be covered for damaging someone else’s car, you won’t be covered for damage to yours.
Figures from the AA show the average cost of repairs on the Continent is more than £400, and returning your car to Britain is likely to cost £1,000.
Those that normally provide only third-party cover abroad include Aviva (formerly Norwich Union), Esure, Churchill, Direct Line, LV= and Sheila’s Wheels.
Others give you a few days’ free comprehensive cover.
More Than provides four lots of five days’ driving abroad, while Swiftcover gives you up to 72 hours overseas, as long as you tell it before going. You can upgrade to comprehensive cover for your whole trip with all these policies for an additional premium and there may also be an administration charge.
With Esure and Sheila’s Wheels, a week driving in France will cost £…