There are plenty of things to consider before taking a trip to another country, especially if you intend to take your car.
While taking your own car will help save on the cost of hiring one, there are still plenty of other costs that can add up.
Which is why a lot of people don’t look into breakdown cover before taking their car into Europe.
The trouble is, there is never a guarantee that your car won’t break down. Even newer models, which are less likely to let you down can still encounter problems, especially in extreme conditions.
If the worst does happen and your car breaks down when you’re abroad you’ll face having to pay to get it back on the road. You could also be stuck waiting for assistance for far longer than you would had you arranged cover before you set off.
What is the difference between UK and European cover?
When you take out European breakdown cover you get exactly the same level of cover as you would with a policy that covers you in the UK. If your car breaks down it will be repaired at the side of the road. If that’s not possible, you and your car will be taken to a local garage.
Failing to arrange cover when driving on the continent could be a financial disaster, if you run in to trouble you’ll have to arrange for recovery services and repairs yourself. Language barriers could further complicate matters and the whole situation could be unnecessarily distressing.
In more serious cases your car may need to be brought back to the UK. This will undoubtedly be costly and, crucially, it still won’t be covered by a UK only policy if it doesn’t cover you in Europe.
Value for money
Always check that the country you want to travel to is covered by the policy and make sure you are getting the right cover. It’s often a mistake to opt for the cheapest option when choosing breakdown cover.
If you do end up using roadside assistance while you are away and you haven’t arranged cover there may be a substantial one-off fee you’ll be asked to pay in the event that your car is towed to a local garage.
Add to that the cost of any repairs that are required and you’ll be looking at a figure that is much higher than the annual cost of breakdown cover.
Single trip or multi trip cover?
It’s also worth considering whether you want single or multi-trip cover before you take out a European breakdown policy. Single trip is cheaper and is probably the best bet if you are looking to cover a one off event.
If, however, there is the chance that you may want to take your car on the continent at a later date - perhaps you have a second home or will be visiting a European office for work - then it will be cheaper to buy multi trip cover rather than buying single trip cover as and when you need it.
Kwik Fit Insurance Services offer different levels of breakdown cover, including European cover, allowing you to select the option which best suits your needs.
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Terms and Conditions
* Price based on Roadside Cover for a vehicle 5 years or younger (prices vary depending on chosen level of cover. Duration of cover is 12 months) Price correct as of 02/12/14 & is
subject to change.
** No cover is provided within the first 24 hours of buying breakdown cover
¹ Statistics above correct from 01/01/2014 to 01/11/2014.