By Emeka Blast 
Summer Road Trips Abroad: Holidaymakers Warned on Insurance
Holidaymakers planning to hit the open roads of Europe this summer are being urged to scrutinize their motor breakdown insurance, as a new analysis reveals significant gaps in coverage that could leave drivers stranded with hefty bills. Financial ratings provider Defaqto’s study of 291 breakdown products highlights critical limitations that could turn dream road trips into financial nightmares.
Hidden Gaps in Breakdown Cover
Defaqto’s analysis, conducted in early June, found that nearly a third (31%) of motor breakdown policies cap individual claims at under £3,500. If recovery or repair costs exceed this limit, drivers could face substantial out-of-pocket expenses. Additionally, some policies impose a total claims limit for the entire policy period, potentially leaving frequent travelers exposed. “Holidaymakers need to check the fine print,” warned Mike Powell, a motor insurance expert at Defaqto. “Breakdown cover isn’t always the first thing you think about, but it’s crucial for a worry-free trip.”
One in six (16%) products lacks coverage for recovery services dispatched by local police or authorities, common in some European countries, which could result in unexpected bills. For vehicles that break down abroad and cannot be fixed within 24 hours, many policies offer “journey continuation” cover for alternative transport like public transit or car hire. However, 35% of products limit this to between £500 and £999, which may not cover costs in pricier destinations.
Pre-Departure Pitfalls
The study also revealed that over a third (34%) of policies do not provide cover for pre-departure car hire if a vehicle breaks down before the trip and cannot be repaired in time. This gap could force holidaymakers to pay for costly rentals or cancel plans altogether. “Imagine planning a dream drive through the Alps, only to find your car won’t start and your insurance won’t cover a replacement,” said Powell. “It’s a scenario many don’t consider until it’s too late.”
The analysis covered various products, including standalone breakdown policies, those bundled with car insurance, short-term policies for specific trips, and cover included with bank accounts. With nearly two-fifths (38%) of products restricting the number of breakdowns covered during the policy period, frequent travelers face additional risks if multiple incidents occur.
Expert Advice for Travelers
Powell advises holidaymakers to prioritize comprehensive European breakdown cover when planning summer road trips. “Look for policies with higher claim limits, coverage for local recovery services, and pre-departure car hire,” he said. He also recommends confirming whether the policy covers all intended destinations, as some exclude certain countries or limit cross-border travel.
The warning comes as road trips surge in popularity, with many Britons opting for scenic drives through France, Italy, and Spain. Social media posts on X reflect growing awareness, with users like @TravelSmartUK urging drivers to “double-check breakdown policies before crossing the Channel.” Another user, @RoadTripFan22, shared a cautionary tale of a £2,000 repair bill in Germany due to inadequate cover.
Broader Travel Safety Concerns
The advisory follows heightened global tensions, including recent U.S. and Israeli strikes on Iran, which have raised concerns about travel safety in the Middle East. While Europe remains a relatively safe destination, the Foreign Office advises travelers to monitor local regulations and ensure their insurance includes medical and repatriation coverage alongside breakdown protection.
As summer travel plans take shape, holidaymakers are urged to act now to avoid costly surprises. “A little preparation can save you thousands,” Powell said. “Don’t let a breakdown derail your adventure.” With the right coverage, drivers can navigate Europe’s roads with confidence, leaving them free to enjoy the journey ahead.
