Car insurance abroad ?

miggiwoo

We are with Sheilas Wheels (fully comp.) and are going on holiday to France for 7 days in August.
I wonder if anybody could recommend if we would need to take out extra cover with Sheilas Wheels to give us Fully Comp. whilst we are away ( as I believe we would be TPFT on our insurance abroad , as standard ?).

Thanks :money:

Quentin

Are you happy driving third party only? (ie you pay for any damage to your own car yourself unless there is someone you can claim off.)

If not pay for the comprehensive extra.

It's your call.

InsideInsurance

It is not TPFT but the French equivalent of RTO, ie the absolute legal minimum required.

With the UK RTO cover provides no cover for theft, fire, damage to your vehicle, vehicle recovery and no cover to third parties for accidents on fully private land - I say fully because places like supermarket carparks are covered as they have public access

The French legal minimum is likely to be equally as low but may have a few differences.

Its up to you to decide if you want to risk having minimal cover or if its work paying extra to get full benefits whilst you're there

miggiwoo

Thanks for the replies.Will be sorting out fully comp.

Only posted this as earlier this week my wife spent hours trying to get through to SW to ask the same question without any success.In fact by the last call she had some customer service assistant "pretend" to be an answering machine.It was only after my suspicious wife said "what ?" that the reply was "Erm" all of our lines are busy etc..........
He said the computers were down and felt this was easier than taking names/details and calling them back.
Thanks for the replies.

vaio

miggiwoo wrote: »

.......In fact by the last call she had some customer service assistant "pretend" to be an answering machine.It was only after my suspicious wife said "what ?" that the reply was "Erm" all of our lines are busy etc..........
He said the computers were down and felt this was easier than taking names/details and calling them back.
Thanks for the replies.

that will pass into insurance folklore (and if it doesn't, it should)

silverwhistle

InsideInsurance wrote: »

It is not TPFT but the French equivalent of RTO, ie the absolute legal minimum required.

I imagine it's similar here in Italy where the extortionate price I pay for my isurance is only Third party and more than the value of my banger (although I do have windscreen and road rescue). No fire, no theft...

InsideInsurance

silverwhistle wrote: »

I imagine it's similar here in Italy where the extortionate price I pay for my isurance is only Third party

Without wanting to get too geeky, the insurance gives the absolute legal minimum. In the UK we do have "Third Party Only" but this is actually higher than the legal minimum as it includes cover on private land without public access which the Road Traffic Act doesn;t require. We do have a lower form of insurance called RTO (Road Traffic act Only) but you wont find it advertised for consumer lines products and is rare even in the commercial space.

Likewise here your third party risks makes up a very large proportion of the premium but then it also makes up the devils share of claims even factoring in incidents with no TPs and fire, theft etc.

Most EU countries have a fairly similar level of basic cover as a legal minimum but its not something I've looked into in a lot of detail for a LONG time.

miggiwoo

InsideInsurance wrote: »

Without wanting to get too geeky, the insurance gives the absolute legal minimum. In the UK we do have "Third Party Only" but this is actually higher than the legal minimum as it includes cover on private land without public access which the Road Traffic Act doesn;t require. We do have a lower form of insurance called RTO (Road Traffic act Only) but you wont find it advertised for consumer lines products and is rare even in the commercial space.

Likewise here your third party risks makes up a very large proportion of the premium but then it also makes up the devils share of claims even factoring in incidents with no TPs and fire, theft etc.

Most EU countries have a fairly similar level of basic cover as a legal minimum but its not something I've looked into in a lot of detail for a LONG time.

Thanks for the replies.Managed to get through to Sheilas Wheels and got a quote for approx. £41.
I will need to ring up nearer our holiday time (August) and take out the extra policy.He said the price should be around the same and won't increase.
Thought this was a good price for peace of mind.