Anyone planning to take a trip to Europe, either on holiday or for work purposes, will be aware that there are many good reasons to take their own vehicle. Not only is being able to go from door to door while you’re away much more convenient, but it is also far less hassle to drive to your destination than having to deal with the stress of airports and baggage restrictions. However, the experience can turn into a nightmare of a different kind if the proper precautions are not taken in advance, particularly when it comes to breakdown insurance in Europe. Knowing that your policy is up to date may not be enough either, especially as different breakdown providers in Europe offer wildly different levels of service, making it essential to know exactly what will happen if you break down outside the United Kingdom.
Are you already covered?
It is a good idea to check your current policies for car insurance and breakdown to make sure that Europe is already covered, just to make sure you don’t end up paying double for the same thing. European cover is often included, but that cover may be limited and those who would like to be certain that they are prepared for any and all eventualities may prefer to upgrade just to be on the safe side. Breakdown coverage in Europe can also sometimes be included as part of your bank account, as part of the membership of a motoring club or come with the warranty for a new motor vehicle. However, if that is the case, it is vitally important to check out any limitations those policies may have.
Reading the fine print
It is important to thoroughly read the contract for any kind of breakdown coverage that you are intending to get so that you know precisely what you are going to be paying for. While sending a mechanic to fix your vehicle on the road in the event of a breakdown may be part of some breakdown coverage, others may only provide a towing service. Parts and labour may be covered by some coverage, but not by others, and while some will pay the bill on your behalf immediately, others may just allow you to claim back the cost at a later date, leaving it up to you to foot the bill on the spot.
There are even some types of breakdown coverage that provide an allowance to enable you to pay for accommodation or carry on with your holiday travels. The great majority of insurance packages for Europe can be bought either for a single trip at a cut-down price or as part of a yearly package. The single option is probably superior for those simply going on a scheduled holiday, but the yearly option may be more suited for those expecting numerous trips to Europe, or who prefer to have holidays that are more spontaneous in nature.